@pkenn wrote:So i applied for a cli and got the 7-10 thing. I just got the letter stating my balances are to high, late payments, high credit usage on cc's and my score was 718.
so heres the thing, my experian is 758 at the moment, and my usage is 5% accross all of my cards and most have a $0 balance. I believe they use fico 8 which is the same as the 758
Any insights?
They use soft pulls -- which is a great thing.
The only downside is that they are older, like a month or two.
So just wait a couple of months and try again.
