Hey Bowser was thinking of trying right now but i did notice my TU fico actually has dipped from 700 to 689 recently, thanks in part to an old account falling off my report. Do you think it wise to ask for a cli now seeing as they will see the point drop or perhaps just wait the 3 extra months to have 6 months history and hopefully see my score rise again. Thanks and any other thought very welcome!
Always keep in mind YMMV, but when I got my last two large increases three months apart my TU was right where yours is. BofA is real big on your track record with them. Also, I got three CLI's in a years time, not sure what the max is.
be smart and apply for cli in couple more months..boa like to see more history...rebuilding take time and a good strategy.if you apply know for cli get about 500/1000 if you apply in couple months 2500/5000 cli.
I've gotten a 7-10 day message then saw an increase when I logged back in. Not all increases are instant.
Hate to hear this but JSS3 has a good point, it may still come back with an increase after review. Also, remember you took a HP for this so don't give up just yet and get aggressive just a bit and call for a recon on the cli! Remember you have 30 days with BofA to use the same HP, just be certain to ask them to use the same pull for the recon. I would wait til Monday and if no increase is granted then I would recon. IME, BofA is great to work with.
Hey everyone just tried for my first cli with BOA, seems a no go as it said going to review, could be up to 30 days blah blah etc. Thanks again Bowser for your tip. Im glad it was able to help out CC earlier tonight on his BOA cli. I guess my profile still has alot to work on. I recently tried on my Citi dc too but was denied. These were definitely my last 2 hps i had to give . I got $500 Penfed visa which is my lowest of all cards but thats just gonna have to stay like that for next 2 years as i am officially heading to the garden. 2 years is quite awhile to wait but i want to see big zeros on my credit inquiries next time i apply for something. BEEN FUN!!
|Total Credit: $240,100||Credit Utilization: 1%||AAoA: 5 years, 7 months||Installments: Car Lease, Marcus Loan||Negatives: 0|