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In October, I was able to drop my utilization down from 50% to 1% and have maintained it with scores 795-810 across the board.
I am interested in doing a few credit limit increases with cards that I know will be soft inquiries. From my understanding, the credit card companies use the last check they do on a customer to base their decision on.
My question is, is there a way to have the credit card companies check your most up to date report before applying for a CLI?
For example, I can see that Amex hasn't looked at my report since July. Is there a way I can spark their attention to update their computers with my latest reports? I was thinking to try some of those prequalified/preapproved sites? Maybe that will get them to focus on me a little...any ideas?
Use + PIF = update usually. As for SP's though they can do them whenever they want to. There's nothing to prompt them to do it unless matketing decides to do a campaign to generate new apps. I would just go for the CLI and if you don't agree with the results then recon them with the not using update information.
Are you not getting an update on your FICO score with Amex? I get at least 1 update a month, some months 2. They do use that information, and more, for CLIs.