I wanted use tangent off of this, and I apologize if I'm hijacking. Let's say someone detects a lender balance chasing and calls to recon the CLD/chasing.
*** IF UNSUCCESSFUL ***
Is there a minimum amount of time that must pass between account closure and a realistic chance of a lender opening another line of credit, when closed by the borrower? Not asking about lender closures in this particular question, but if anyone has data, feel free to provide. If we're not talking about low scores due to payment history, something like high UTIL can be addressed in months with a windfall, tax return, bonus, etc. or INQ falling off... could raise score tens of points in a very short amount of time.
To explain further, my logic is this, there may be a blackout period for CLI after last CLD, if the account is not closed altogether. CLI, when they do come, will likely not restore the original SL. So I figure close it out and reapply later, as a more favorable candidate.
