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Carecredit

corymcd88
Valued Contributor

Carecredit

I read that doiing a CLI request on Carecredit no longer does a HP. Is that true?

Message 1 of 19
18 REPLIES 18
Np1791
Frequent Contributor

Re: Carecredit

That’s true.
As of 11/28/2018
Message 2 of 19
J-F168
Frequent Contributor

Re: Carecredit

No hp for me. 1500-3500-7000 SP.

EX 694
EQ 696
TU 695
BK 7 D/C Dec. '16.
Message 3 of 19
IaBoy62
Established Contributor

Re: Carecredit

No HP for me either $10,000 to $12,000. I did have to remove the freeze from my TU report thought.

Message 4 of 19
cr3dit5hark
Frequent Contributor

Re: Carecredit

I’ve had my CareCredit card for over 2 years now and I’ve never had any HP when requesting CLI.

I always do it through the automated system though... not sure if that makes a difference between that and a live agent.
Starting Score: EQ 606 TU 623 EX 598 - April 17'
Current Score: EQ 644 TU 664 EX 667 - May 18’'
Goal Score: EX 750 TU 750 EX 750


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Message 5 of 19
MILOfico
Established Contributor

Re: Carecredit

Is there a CareCredit strategy to CLIs? And do they counter?

@J-F168 was that CLI move...done in one day?

1500---> $7000
wells.jpg 2chase navychase east westchase us bankimg src=ChaseFreedom_F.inddC_DP7_EMV_MNLW_18-PID 257.epsnavy fedBCE&ED|Chase|NFCUcc&CLOC|WF|Cash+|ElanFin.|Dia'md prefer.|PF|Gard'N since 6/23/2017|TOTAL CL$111.2K !!!NOIIICE!!!
Message 6 of 19
MILOfico
Established Contributor

Re: Carecredit

*BumP*
wells.jpg 2chase navychase east westchase us bankimg src=ChaseFreedom_F.inddC_DP7_EMV_MNLW_18-PID 257.epsnavy fedBCE&ED|Chase|NFCUcc&CLOC|WF|Cash+|ElanFin.|Dia'md prefer.|PF|Gard'N since 6/23/2017|TOTAL CL$111.2K !!!NOIIICE!!!
Message 7 of 19
J-F168
Frequent Contributor

Re: Carecredit

I opened in Jun., and I requested cli in Nov. two times ( same day) I went from 1.5k to 3.5k., I knew that I left money on table.. I asked for 10k and received 7k. Also my amazon went from 400 to 3.5k.

EX 694
EQ 696
TU 695
BK 7 D/C Dec. '16.
Message 8 of 19
MILOfico
Established Contributor

Re: Carecredit

@J-F168

Thks for info!!!😄
wells.jpg 2chase navychase east westchase us bankimg src=ChaseFreedom_F.inddC_DP7_EMV_MNLW_18-PID 257.epsnavy fedBCE&ED|Chase|NFCUcc&CLOC|WF|Cash+|ElanFin.|Dia'md prefer.|PF|Gard'N since 6/23/2017|TOTAL CL$111.2K !!!NOIIICE!!!
Message 9 of 19
Creditcollector
Frequent Contributor

Re: Carecredit

I have requested multiple cli last year on my husbands care credit card. Never any hard pulls . It's at 15,000 cl right now .
Experian 718
Equifax 716
Transunion 708.
Credit unions: Member of NFCU, Penfed, BECU, Alliant, Mountain America, and Unify. Credit cards with all except mountain America and unify. Waiting until some inquiries fall off.
Geo restricted from fifth/third, bbva, bb&T, PNC bank, and all the other banks that give out cards like candy.
Idaho resident.
Message 10 of 19
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