To Whom It May Concern (please read).....

[Anonymous]

---

@ShortBus wrote:

---

@Anonymous wrote:

I am happy to hear things are starting to look up for you (other than the Walmart CLD, but that can be fixed down the road). Thanks for the update!

---

Thank you, and you're welcome. 

WalMart wasn't a CLD. That was a $200 CLI. I think when I originally started this post, my CL was $600. A couple statements in, they auto CLI'd me to $700. I was hoping to break 650 TU this month, so I can request a CLI. Ugh.

---

LOL... sorry I must have misread your post - well that's good news, and it's a good data point that Synch will still give an auto increase even with high util. And I'm sure you can still try for a CLI even with your scores, although if you try via the love button I think you have to wait 4 months from your last CLI - the only way around that is to call credit solutions (chatting online will work too, at least it did for my Amazon card).

[BpoGurl]

Hi there,

I'm kinda in the same boat, I have 20 inquires Do to car shopping , what type of letters did you send out ? Can you please help me out

Thank you, Laura

[_NERD]

Hi Laura,

What are the letters for? Inquiry deletion? I got lucky with the dealer removal only because I knew the owner. I knew the minimum guidelines required to qualify with a particular bank, and I also knew it would be a EX HP. I only had one HP from that bank in addition to the HP by the dealer.

The bank could decline to the HP removals (they pulled twice last year for separate car loans). Nothing special about what I did. I just asked verbally and they happened to be able to do that at the dealership. YEMV

[_NERD]

UPDATE: 

Kay Jewelers: PIF

Walmart: PIF 

BofA: $1 balance

QS1: less than 1/3 balance 

Jared will be PIF on Friday ($92) QS1 remaining balance will be PIF ($466) along with Cap 1 secured ($611) later this month. I'm PIF in the order of the statement cut dates.  Cap 1 secured cut date was yesterday. I missed the deadline and that adds almost two weeks before I can mortgage app. Now the 98-99% util will be report until May 5 even after I PIF. 

[_NERD]

Update: first revolver I PIF just reported. On the next refresh, there will be more to follow. 

[Anonymous]

Very nice! Did you see any score changes yet?

[_NERD]

Yes. I pulled a 3B report yesterday but I didn't memorize the scores. EX went up into the 640 range (658-649 I think). TU and EQ went down a bit I don't know why.

Also of note. In today's CK refresh. Walmart only updated to EQ and the statement date was on Thursday. TU hadn't updated Walmart. I'll verify later. I don't really want to know our FICO scores until May 10 when everything I PIF is settled at the CRA level.