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Credit limit dates

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Regular Contributor

Credit limit dates

Does an underwriter can tell when you had cli? Let's just say on my NFCU's card, I got an increased of $2,000 today for example.

My limit was $1,000 so now, it's $3,000.

 

So, my question is will they know my new $3,000 limit just happened a few days ago? Or will it

show on my credit report my limit and date opened meaning by looking at my report, they will see my card was opened last year with a $3,000 limit?

 

 

 

starting EQ FICO : 526 current EQ FICO : 640 starting TU FICO: 538 current TU FICO : 656

My wallet: Capital One cash rewards $1,300- ~ NFCU signature cash rewards $5,000- ~ NFCU nRewards $5,000- ~ NFCU LOC $1,000- ~ Target $200- ~ Kohl's $300- ~ Walmart $800- ~ Amazon $900- ~ Updated 6/2013

Discharged Ch7 Nov.16, 2012

Message 1 of 5
4 REPLIES 4
Super Contributor

Re: Credit limit dates

It will show on your CR.

 

It will be like this:

Between xx and yy, your credit limit / high balance was $xxxx

between yy and zz, your credit limit / high balance was $xxxx

 

 

JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Message 2 of 5
Valued Contributor

Re: Credit limit dates

When looking at Experian or TransUnion, it shows the dates that the credit limit changed. Like, 'From January 2013 to June 2013 the credit limit was 1000. Equifax does not appear to have this information, at least not on their website.

Message 3 of 5
Valued Contributor

Re: Credit limit dates

if you look at your credit reports at least EX and EQ list credit limits over time. But most likely only a manual review would notice.

 

 

Cards: Chase Southwest 20k & CSR 17k & CSP 10k & Freedom 6.6k & FNBO 30k Oregon Duck 5k, & AMEX BCP 32.5k & Amex Magnet 15k&amg; Hilton Surpass 7.5k & Delta Gold 12k & Zync NPSL, Fidelity AMEX 17k Commerce5.9k & Cash Forward 7.5k & Sams Club MC 20k, Paypal Extras MC 10k, Paypal Credit 7.25k CapOne Venture 15k, QS 2.5k, QS 750, Amazon 10k, Walmart 10k, Citi Simplicity 18k, Discover IT 23k and a nice stack of store cards.
Marcus Loan. 30k second marcus load 15k.
Message 4 of 5
Frequent Contributor

Re: Credit limit dates

CSR's pretty much have access to CLI history and when the last one was asked for.

About 600k in Credit Lines
CSP 29.9k, Citi DP 58.5k, Chase Sams MC 20k, Amex Hilton Surpass 35.6k, Hawaii Air 26k, Discover More 56k, Chase SWA 3.5k, WF PLOC 30k, B of A Visa 63.3k, Wells Plat Visa 8.3k, RC Willey 5k, Pen Fed Visa 50k, Pen Fed PLOC 25k, Lowes 25k, CSR 28.8k
Message 5 of 5
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