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CLI and FICO Scores??

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NLYTN
Valued Member

CLI and FICO Scores??

Do scores usually take a hit when you get a CLI? After looking at my EX is seems like this may be the case unless it just happens to be coincidence every time i get one. Can someone with experience chime in on this?

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Revelate
Moderator Emeritus

Re: CLI and FICO Scores??


@NLYTN wrote:

Do scores usually take a hit when you get a CLI? After looking at my EX is seems like this may be the case unless it just happens to be coincidence every time i get one. Can someone with experience chime in on this?


Unless you take an inquiry for the CLI, no.  Something else is going on TBH, usually a CLI is a pure win if it affects your utilization in any fashion though some low numbers in the margin you might see a slight drop: people have found historically that there are sweetspots for low utilization numbers though I didn't ever see it personally... I also never went looking for it.

 




        
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NLYTN
Valued Member

Re: CLI and FICO Scores??

OK thanks. I guess i will check once my next CLI hits the report.

Message 3 of 4
yoyo
Established Contributor

Re: CLI and FICO Scores??

Got a 23 point decrease because my CL increased $1000 and the card is almost paid off. 1 year after BK..
so I guess my AAoA is factored in.

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