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I requested a CLI on my CSP card last week. I was at $10k and requested $20k. Reason for request was to keep my avg util low (since I put $6k and $5k respectively on my card in the past two months, both PIF). Was approved for $16k and accepted. That gives me $3200 to keep <20% on that card.
I noticed a HP on my EQ and TU reports the same day.
Congrats!
I certainly expected a HP, and was told by the EO that they pulled my TU report... Almost 2 weeks later now and no HP. Add in the letter I received which was addressed to someone other than myself...
What, if anything do I do now?
@Anonymous wrote:Strange update....
So I received a letter from the EO explaining the denial, but they printed the wrong first name (right last name) on the letter and envelope. I still have not received a HP (bought a new FICO report yesterday) on my report, yet the letter states that they obtained a report from TU to make their decision...
Question is did they pull someone else's report? Do I need to call them to let them know?
Just go through the reconsideration/UW analyst channel instead of the EO. All the EO does is forward the request to UW, the EO does not make the decision. More than likely the letter has a reference # which can be accessed by the analyst wich is tied/linked to your account and the request itself.