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General timeframe current creditors store SP data?

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Established Member

General timeframe current creditors store SP data?

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.





Credit Age (Equifax):



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Super Contributor

Re: General timeframe current creditors store SP data?

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.


Last App: 8/24/2020
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Currently rebuilding as of 04/11/2019.

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Current FICO 8 scores:


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Re: General timeframe current creditors store SP data?


@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.


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





Credit Age (Equifax):



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Community Leader
Super Contributor

Re: General timeframe current creditors store SP data?


@UntamedDeviance wrote:

@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.


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


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.


Last App: 8/24/2020
NFCU Secured Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


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Super Contributor

Re: General timeframe current creditors store SP data?

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.
For a collection of our current FICO scoring wisdom, updated as we learn, read the following. Watch the revision dates on the bottom of the first 8 posts as they are regularly updated: Link to Scoring Primer.



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Updated Oct 2020, unless otherwise noted.

(Forgive typos, mobile.)(Everything said is Just IMHO.)

In order to better answer your questions and record your DPs, please provide your profile stats: Any baddies? Severity and recency? (clean/dirty), Number of accounts, both open and closed on CRs (thick/thin), AoOA? (Mature/young), AOYRA-Age of Youngest Revolving Account (new accounts/no new accounts)? Open/closed loan on CR?
For example, mine is clean/thick/mature/new account, with open loan on record.
If you don't know where you fall, just detail any baddies, your number of open and closed accounts, AoOA, AOYRA and whether you have a loan on record to start.

For utilization questions, list individual and aggregate utilizations, revolving and installment, please.
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