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How does a CLI affect scores?

Established Member

How does a CLI affect scores?

Hey everyone,


On March 23, I got a hefty CLI on my 1st Financial Bank USA card (everyone seems to dislike them - I've had no problems, but I digress), taking me from $9500 to $11,000! I was very excited about this (especially since it was a soft pull), but am wondering if this will increase my credit score. I have Scorewatch, but don't really see any option that would notify me if I get any kind of CLI. Since this happened just a few weeks ago, I don't think it would show the new CL on my reports yet (I have not bought my scores in about a month, so I'm just speculating).


So how will this affect me? My utilization was not really affected by this - I was and still am around 4% util. Does a CLI alone improve scores?


Thanks for any help you can give! 

Message 1 of 4
Senior Contributor

Re: How does a CLI affect scores?

If this had affected your EQ FICO, Scorewatch would have alerted you.


Unless you had higher utilization than 10% and your CLI helped reduce it, then no, this will not really affect your score.


FICO will mostly look at utilization, number of balances and account age data.

Credit Scoring 101 - Tuscani   *  Guide to Common Abbreviations
Frequently Requested Threads * FICO High Achievers  *  FICO Score Estimator

09/03/2009 TU: 777, EQ: 776 ($8 balance on an account dropped me out of 780's)
03/28/2009 TU: 814, EQ: 810, EX: 781 (02/12/2009)
05/18/2005 TU: 563, EQ: 580, EX: 549
Message 2 of 4
Frequent Contributor

Re: How does a CLI affect scores?

A CLI can decrease your util.  But since your's was low to begin with, probably won't have much impact. 

The CLI impact will depend on which bucket you are in as well.  If you are in the bankruptcy bucket, it would probably have a greater impact.  The impact will also depend on the amount of the increase.  If your total avail credit went from $5k to 10k then of course that would have a big impact on your util, But if your util is already low, sorry no score increase.  But it is a good thing that you got a CLI, especially in this economy.  Congrats. 

Where I was 8/22/08 TU 581 EQ 554 EX 615
Where I am 7/30/09 EX 737 (FAKO) EQ 689 TU 745
Can't wait to see what my scores will be when all my accounts hit the 1 year mark!
Message 3 of 4
Established Member

Re: How does a CLI affect scores?

Thanks for the replies! I would have loved to see a jump in my scores (they've been about the same for the past couple of months), but nevertheless, I'm still very excited about the CLI.
Message 4 of 4