I started a little late and began gardening so I was wondering how often I could request a CLI, what method to go to avoid HP and how frequently I could do it for them to consider. I tried to search and read through posts, but they seemed outdated. So I figured we could get a thread going where people could input what they know and we could consolidate it in one place. I totally understand that there is no guarantee of any approval. This is purely just data collection. This would be good to see which creditors would allow a self initiated SP's and which ones to avoid for an automatic HP. Can't promise everything will be accurate. But if we collaborate, we could throw together an easy reference to get a general idea. I'll get on every couple nights and update it. If there are any inaccuracies, we'll lean towards the majority. Figured I could start with the major creditors, lump co-branded cards together and start to branch out from there. Thanks to everyone for their input from the last thread. Hopefully we can get something together here. Feel free to contribute and give any feedback.
Updated up to Post #8.
Thanx for the guide. Excellent resource.
IN GARDEN UNTIL Dec 2017 Starting Score May 2014 EQ: 586 Feb 2017 - Scores EX: 713 TU: 723 EQ: 717 Goal Score: 750 +