Feeling the hate....

[tcbofade]

So, DW and I both start the year with FICO's in the 700's.....we've both been in the garden for more than six months, and we're going to refi the house next week.  I have a day off, and nothing better to do, so I start looking for soft pull CLI's across the board for both of us.

No, Nope.  Nada. 

13 No's for me, 9 No's for her.

Somehow, that is very frustrating.

[Anonymous]

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@tcbofade wrote:

So, DW and I both start the year with FICO's in the 700's.....we've both been in the garden for more than six months, and we're going to refi the house next week.  I have a day off, and nothing better to do, so I start looking for soft pull CLI's across the board for both of us.

No, Nope.  Nada. 

13 No's for me, 9 No's for her.

Somehow, that is very frustrating.

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Didn't you mention even being balance chased?

[Anonymous]

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@tcbofade wrote:

So, DW and I both start the year with FICO's in the 700's.....we've both been in the garden for more than six months, and we're going to refi the house next week.  I have a day off, and nothing better to do, so I start looking for soft pull CLI's across the board for both of us.

No, Nope.  Nada. 

13 No's for me, 9 No's for her.

Somehow, that is very frustrating.

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Don't give up so quickly.  Quitter!

[Anonymous]

Did you repeatedly CLI on those cards in the past? Banks do have a limit to how much they will be willing to extend without a further credit check. Maybe you hit it?

[tcbofade]

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@Anonymous wrote:

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@tcbofade wrote:

So, DW and I both start the year with FICO's in the 700's.....we've both been in the garden for more than six months, and we're going to refi the house next week.  I have a day off, and nothing better to do, so I start looking for soft pull CLI's across the board for both of us.

No, Nope.  Nada. 

13 No's for me, 9 No's for her.

Somehow, that is very frustrating.

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Didn't you mention even being balance chased?

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Not literally, no.  Earlier in 2014, DW had three cards CLD her, one immediately reinstated, one reinstated later, and one simply wouldn't.

Our util is still a bit high, but we're both in the 700's with NO baddies anywhere, and few inquiries.... I figured it was worth a shot....  Apparently, I was wrong. 

[Anonymous]

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@tcbofade wrote:

So, DW and I both start the year with FICO's in the 700's.....we've both been in the garden for more than six months, and we're going to refi the house next week.  I have a day off, and nothing better to do, so I start looking for soft pull CLI's across the board for both of us.

No, Nope.  Nada. 

13 No's for me, 9 No's for her.

Somehow, that is very frustrating.

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FWIW (approx nothing, espeically as it is done!) I wouldn't do this just prior to refinancing.   It probably won't help your scores if they pull at closing (because the CLIs wouldn't report yet) and there's always a non-zero possibility that there is a screw up and a SP becomes a HP.

[tcbofade]

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@Anonymous wrote:

Did you repeatedly CLI on those cards in the past? Banks do have a limit to how much they will be willing to extend without a further credit check. Maybe you hit it?

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Eh.  Could be, I guess.  I think that our limits are small enough that this wouldn't be the case, but it is possible. 

[tcbofade]

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@Anonymous wrote:

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@tcbofade wrote:

So, DW and I both start the year with FICO's in the 700's.....we've both been in the garden for more than six months, and we're going to refi the house next week.  I have a day off, and nothing better to do, so I start looking for soft pull CLI's across the board for both of us.

No, Nope.  Nada. 

13 No's for me, 9 No's for her.

Somehow, that is very frustrating.

---

FWIW (approx nothing, espeically as it is done!) I wouldn't do this just prior to refinancing.   It probably won't help your scores if they pull at closing (because the CLIs wouldn't report yet) and there's always a non-zero possibility that there is a screw up and a SP becomes a HP.

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THIS I thought of, so I did NOT ask for CLI's on any of the accounts that MAY HP us.  I just asked on Sync and Cap One accounts...and checked Discover for SP offers without requesting an HP CLI. 

Thanks tho!

[TRC_WA]

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@tcbofade wrote:

Our util is still a bit high, but we're both in the 700's with NO baddies anywhere, and few inquiries.... I figured it was worth a shot....  Apparently, I was wrong. 

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Define "a bit"... 50%? 70%? 90%?

No doubt the cause of your denials.

[Anonymous]

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@TRC_WA wrote:

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@tcbofade wrote:

Our util is still a bit high, but we're both in the 700's with NO baddies anywhere, and few inquiries.... I figured it was worth a shot....  Apparently, I was wrong. 

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Define "a bit"... 50%? 70%? 90%?

No doubt the cause of your denials.

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Heh..