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Cap 1 CLI question

MyLoFICO
Valued Contributor

Cap 1 CLI question

If I hit the luv button and get an offer I don't like and decline it, does it reset the 6 month CLI clock with Cap 1?


Experian: 677 (28) | TransUnion: 697 (27) | Equifax: 684 (6)
Gardening as of: 1-23-2018
Updated 1-25-18
Message 1 of 4
3 REPLIES 3
Irish80
Moderator Emeritus

Re: Cap 1 CLI question

no

Message 2 of 4
RonM21
Valued Contributor

Re: Cap 1 CLI question

Agree, not at all. You can continue to request after that. This is how sometimes you see people will decline then a few weeks later talk.about getting a better offer.
                

Total CL: $314.7kUTL: 2%AAoA: 6.8yrsBaddies: 0Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping

BoA-55k | NFCU-45k | DISC-40.6k | PENFED-38.4k | AMEX-37k | LOWES-35k | ALLIANT-25k | BARCLAYS-15k | CITI-13.7k | CHASE-10k

Message 3 of 4
MyLoFICO
Valued Contributor

Re: Cap 1 CLI question

Thanks. That helps tremendously. Cap 1 told me they don't mind how often I hit the Luv button so that makes this a lot easier to pick and choose. Now I just need to decide what the magic number is as far as when to accept and when to decline. I think I will decline anything under 2k.


Experian: 677 (28) | TransUnion: 697 (27) | Equifax: 684 (6)
Gardening as of: 1-23-2018
Updated 1-25-18
Message 4 of 4
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