@bluetegu wrote:
I'm on a quest to max my FICO score. I'm 827 atm and the one thing left I can do is raise my Cap1QS line as high as I can(its about 22k atm.) This is my oldest card, almost 18 years. It was a college card then turned into a platinum then QS. I usually get 1 or 2k cli if I remember to update income and apply once a year or so. According to credit wise via cap1 my highest credit lines are not high enough for some one with my credit profile. How high should it be? I'd like to ask for 50k with the history I have but it appears totally automated now and denies high numbers with recent use of credit line to low. Is there a backdoor number?
my other cards are 25k 36k 40k
I can't comment on the topic of Cap One CLIs. I will say though that a CLI from Cap One will not improve your 827 score. Not even a single Fico point. Keep in mind that the advice you're receiving from Credit Wise is based on a VS3 platform, not Fico. Fico scoring algorithms aren't going to give you extra points for high[er] limits. On two otherwise identical profiles one person could have 5 cards with $1000 limits each ($5000 TCL) and another could have 5 cards with $25k limits each ($125k TCL) and if each reported a tiny balance of say $20 on 1 card with the other 4 having $0 reported balance their Fico scores would be identical.
Bottom line is that your credit limits should not be an area of focus at all for you when it comes to your Fico scores if you're already at ideal utilization. To maximize your scores you want to implement AZEO, described above is just 1 of your major bank cards reporting a small non-zero balance while all others have zero reported balances.
