Citi CLI denied :(

[nupey10]

Last night I was getting antsy because my fico scores were all above 670 and thought I would try to request a CLI on my Citi Thank You card.  Citi had my free fico listed from a month ago at 676.   It was a soft pull, all they asked was income and mortgage payment information. Press the increase button and go back a DENIAL  Man that hurt.  My scores over the last 1.5 yrs have been creeping higher and higher.  Myfico list my EQ scores as

• score 8 691  
• cc lending bankcard score 8 668
• cc lending bankcard score 3 677
• cc lending bankcard score 2 632

I gathered from fico that bankcard scores 8 and 3 are primarily used for CC lending.  The response I got back from citi is I was denied because: " We reviewed your request, but we can’t approve it because your credit report shows a garnishment, attachment, foreclosure, collection action or judgment."   I do have 2 portfolio collections that are 6 months from dropping off ( yeah!). My Citi Thank you and American express blue both list paid in full never late.  I guess my only recourse is to wait this out until December, unless somehow there is a way to get EQ to drop the collections sooner.  But I guess this is informational for those who may be looking to get a CLI and you have collections on your report.  Hope this helps someone.  

[Anonymous]

I was also denied for a CLI with Citi and it was a SP. My scores are 660-690 due to a few PIF chargeoffs and 1 old late. My DTI is low but still no go. I think Citi wants to see above 700s scores to be consider for a CLI. I am not poking the bear anymore until then, as always YMMV. 

[JSS3]

Even though your reports have gotten better, Citi might not have seen it. The report they have is from the LAST time they pulled it(which could've been months back).

[nupey10]

How do I know when they SP?  How long should, or do I have to wait to try again?

[Anonymous]

Edit: I generally wait every 6 months and request for one. I'm sure people with better scores can get it sooner. 

Under Request a Credit Line Increase, this is what I see ------> It's easy to find out if you qualify for a credit limit increase. A credit bureau report will not be requested and you will receive an instant decision.

[RonM21]

You can possibly look at your true credit reports and see when they last soft pulled you, but that doesn't always mean their info will be updated.