General timeframe current creditors store SP data?

[Anonymous]

Between the beginning of July to now I have raised my score over 125 points, and turned my report from dirty to clean. Within the past few weeks, I have tried to request CLIs with Discover and Amex both of them have declined my request due to the fact that the scores/reports they are using are from June/July (high utilization/collection account [paid off about 20k of debt and got a collection removed])...

My overall question; is there a rule of thumb when they pull these soft pulls that they use? Should I wait for the next quarter, 6 months? Is there no set timeframe so I should just try "in the future"? 

Any insight would be greatly appreciated.

[OmarGB9]

I don't think there is a set time frame; it varies by lender. I would say wait another 2-3 months and try again.

[Anonymous]

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@OmarGB9 wrote:

I don't think there is a set time frame; it varies by lender. I would say wait another 2-3 months and try again.

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Fantastic, that was some guidance I was looking for! Thanks for your input!

[OmarGB9]

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@Anonymous wrote:

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@OmarGB9 wrote:

I don't think there is a set time frame; it varies by lender. I would say wait another 2-3 months and try again.

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Fantastic, that was some guidance I was looking for! Thanks for your input!

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You're welcome, but keep in mind, my advice is basically just an educated guess. It's quite possible you have to wait longer, like 6-12 months.

[Anonymous]

It depends on lender but for American Express go look at the last score they have for you, they typically use that score.
when it updates, give it a few days and then go for it. They update monthly.

For other lenders, you got to do the research, I can’t tell you off the top of my head. Navys is monthly, I think is the third Thursday of the month or something. You just have to research the individual lender.