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Just fyi

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Sbrooks1
Valued Contributor

Just fyi

Hey guys, not sure if this is well known , but it wasn't to me so I decided to share . Requesting cli thru automated care credit sync line generates a hard pull to TU. Darn it! My dog needed emerge t surgery yesterday and I needed cli, not only was I declined😫 Got a HP for it.
Message 1 of 16
15 REPLIES 15
myjourney
Super Contributor

Re: Just fyi

Its always been an HP

Hope the dog is better

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 2 of 16
Sbrooks1
Valued Contributor

Re: Just fyi

I wish I would have known! Dang it . She is doing really good ! Thanks 😀
Message 3 of 16
SouthJamaica
Mega Contributor

Re: Just fyi


@Sbrooks1 wrote:
Hey guys, not sure if this is well known , but it wasn't to me so I decided to share . Requesting cli thru automated care credit sync line generates a hard pull to TU. Darn it! My dog needed emerge t surgery yesterday and I needed cli, not only was I declined😫 Got a HP for it.

I would suggest that you recon the denied CLI. Just make sure they don't do another HP.


Total revolving limits 568220 (504020 reporting) FICO 8: EQ 689 TU 691 EX 682




Message 4 of 16
Sbrooks1
Valued Contributor

Re: Just fyi

I wouldn't know how to recon! Who would I call
Message 5 of 16
PinkPanther3719
Contributor

Re: Just fyi

I woud favorite the Backdoor Numbers thread http://ficoforums.myfico.com/t5/Credit-Card-Applications/Backdoor-Numbers/td-p/408066) Synchrony: (except WalMart): 866-419-4096 Synchrony: 866-519-6441 (Credit Analyst/Credit Solutions) Credit Solutions 877-379-8173 Synchrony: 937-534-6180 ( Fraud Dept/locked account)
Current Information (05/2016)
Scores: EX: 633, EQ: 619, and TU: 727
Current Utilization: ?%

Goal: All above 750 and no more than 3% utilization
Gardening until 12/31/16 (Hopefully)
Message 6 of 16
CountryLivin
Valued Contributor

Re: Just fyi

Sorry to hear about the denial, but happy your dog is doing ok.

Message 7 of 16
Anonymous
Not applicable

Re: Just fyi


@CountryLivin wrote:

Sorry to hear about the denial, but happy your dog is doing ok.


Happy your dog is okay. If I may suggest, just ask in the forum about a creditor and many will tell you if it is likely a hard pull. Good luck to you if you recon.

Message 8 of 16
Sbrooks1
Valued Contributor

Re: Just fyi

I was pacing at the vet and it was 5 Pm so was just reacting to a bad situation. The only way I got her surgery was a friends care credit , I am such a loser😩
Message 9 of 16
Anonymous
Not applicable

Re: Just fyi


@Sbrooks1 wrote:
I was pacing at the vet and it was 5 Pm so was just reacting to a bad situation. The only way I got her surgery was a friends care credit , I am such a loser😩

You are a loving, caring pet owner. So am I. We get it.Smiley Happy

Message 10 of 16
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