Amazon GECRB CLI Question

Involver · ‎11-14-2013

Bit perplexed ...

Been an Amazon cardholder since 12/12. Not great credit, approved for an $800 limit (Store card). Regular card-user, PIF every month. Been working dilligently on improving credit for past 12 months. Scores across the board 40+ points improved. Called GECRB automated system to request CLI to $1500. Declined. Received their denial letter of mail with my score (higher than I expected - 677) and one of the reasons for a decline of CLI was too many inquiries and too many recent accounts. My only HP in the last two years was ... Amazon, last year. My only new account in the last two years was also Amazon. I'm currently working through rehabbing a student loan and disputing a b.s collection that recently popped up across 3 CRAs a couple of months ago so would it be worth calling the backdoor # to credit analysis to discuss in person or just let sleeping dogs lie and wipe these negatives off my record before I try this again?

Creditaddict · ‎11-14-2013

yes, call credit solutions and ask for manual review.

Involver · ‎11-14-2013

Thanks for the response. Nothing to lose I suppose.

shane82388 · ‎11-14-2013

What's the difference between requesting CLI online, calling automated number, or calling credit solutions? One better than another?

SunriseEarth · ‎11-14-2013

@shane82388 wrote:
What's the difference between requesting CLI online, calling automated number, or calling credit solutions? One better than another?

Credit Solutions is UWs who can make manual credit decisions. They also do a fresh SP when you call them, whereas the LUV button and the automated phone line may be using older CRs for review.

Creditaddict · ‎11-14-2013

Online and automated and regular customer service use a credit report in system up to 90 days old and a computer system to decision the request.
Credit solutions will pull (sp) a credit report on spot and manually look at it and decision the request... Remember they will always counter but they rarely offer more than what you ask for. So I always suggest something crazy, like your highest limit pray be even more depending... (10k, 15k+)