Shot down. Got the "you will recieve a letter in 7-10 days explaining why" from the rep. Got the letter today.
We were unable to accomodate an increase for the following reasons:
BUREAU REPORTS HIGH BALANCE HISTORY ON BANKCARDS
BUREAU REPORTS TOO MANY BANKCARD ACCOUNTS WITH HIGH BALANCE
BUREAU-REPORTED RATIO OF BALANCES TO CREDIT LINES ON BANKCARDS
Did BT's so some of the cards are on the high side. I will get those down over the next year.
But there is nothing I can do about "HIGH BALANCE HISTORY". Their number one item.
They reported a TU FICO of 754. Does Disocver use TU04 or TU08? Anyone know? Because that is about the number I got form Walmart for my TU08.
Starting Score: 693 TU FICO, 679 EQ FICO
Current Score: FICO 8 = 844(9/15) EQ, 827 TU, 811 EX (7/15); mortgage FICO= 758 (9/15)EQ5, 797 TU4, 748 EX2 (7/15)
Goal Score: 750+, but shooting for the 800's
Hyatt Visa Sig ($23K), Amex BCP (24.8K), BofA Travel Rew Sig (22.5K), B&N World MC (22.3K), Amex RP Gold (NPSL w/ S&T), Cash+ Sig (20K),United Mil+ExpSig (16.3K), FNBO Visa (13.1K), Hilton Surpass (10K), Freedom Visa Sig (8.6K), Disc It (16.4K), Citi Dia Pref MC (3.7K),Sam's MC (10K), Wally (7.5K), JCP(5.3K), Costco (2K)
