Just learned something new about CLI request with Discover

[bustinloose82]

Any specific recommendations or letters or anything you can point me to would be great.

[manwoot]

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@bustinloose82 wrote:

Any specific recommendations or letters or anything you can point me to would be great.

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Check out this sticky in the Rebuilding Forum:

http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/GW-letter-Q-amp-A-Examples-and-GW-Success-Sto...

[enharu]

A paid collections is often look upon more favorably during a manual review. However, like others have said, my guess is that your utilization is the main issue here. Pay down those cards, and then try ask for a CLI again. For cap1 you might need to contact EO.

[bustinloose82]

EO? 

Is there a place to find out what all the acronyms mean?

[09Lexie]

Executive Office

http://ficoforums.myfico.com/fico/board/message?board.id=Welcome&thread.id=23

[tdrjustus3]

Cap1 has been very generous lately. I received a CLI with 80% utilization on my Cap1 cards (bill due later this month will get that way down)

[pizzadude]

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@bustinloose82 wrote:

EO? 

Is there a place to find out what all the acronyms mean?

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Take a look at the Guide to Abbreviations in this link:    http://ficoforums.myfico.com/t5/Credit-Cards/Helpful-threads/td-p/415263

[toppers555]

+1 you need to get your utilization down. Your definitely look like a risk with those balances across your credit lines

[Slab]

Try everything you can to get the utility company to remove that bad mark. My only bad mark was from my old electric co. and once it fell off after 7 years my score went up 46 points. I would go to the office in your town and have a face to face meeting.

[bustinloose82]

Major breakthrough. The collection agency reporting has merged with another, and lots of names are in the press release as well as the media relations manager's email .

Now I know their email formula.