Hey whats the best course of action to take, my gf has 3 BOA cards that r all way over due for CLI. Royal Carib 12k, Mets 2400, BOA Rewards 1500. I plan on showing zero balances on the 2 low cards and try and get down the royal to half before i ask. I read that its hard pulls on CLI Whats the best way to do this without the most damage on hp's, do we request all on the same day or does it matter when i do it? Thanks
Im also working on getting her overall util down until next month when i plan on asking but these cards are all at least 3years old and all paid on time, also if u could give me good advice on how much to ask would be great, Sorry for being a turd on this but this is the first CLI i have ever done.
What is her util and for how much time has she had the cards?
I know thry can hp you once for all 3 clis. You may need to call underwriting and have it done over the phone though.
Those cards are all at least 3 years upto to 6 years just for those 3. Right now her util is hi but im paying off most of her cards right now to show a zero balance on a good portion so she can get these good increases. By next month i should get her util down pretty good to a decent percentage.