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Ouuuccchhhhh. 40 point dings after last car payment.

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New Contributor

Re: Ouuuccchhhhh. 40 point dings after last car payment.

If I'm correct, I should wait for 3 cycles to report before requesting more Luv from Disco.

 

What about Cap One? Does timing matter? If I am below 29% aggregate usage, below 45% on Cap one and below 65% on Disco ( or even lower thresholds) would it matter how long I waited before asking again?

 

Those extra boosts could get it below the next threhsold levels quicker, which is why I tried now.

 

Will wait on Synchrony, then perhaps try to bump Amazon from 15K to 20 or 25 after things clear up. They seem to be generous. When from like 3 or $600 on Lowes to 25K in the same day with one phone call in the early stages of rebuilding.

FICO 08 Starting Scores (3/7/15) EQ: 694 TU: 702 EX: 659
4/24/2015: EQ: 745 TU: 735 EX: 755
8/7/2015 EQ: 767 TU 765 EX: 778
Message 21 of 23
New Contributor

Re: Ouuuccchhhhh. 40 point dings after last car payment.

TU has finally updated. As expected, a huge hit. 36 points bringing me down to 720. Scores are now 742/720/741. TU has always been lowest. Will update the 3B report either shortly, or wait for Disco & Cap 1 to report lower balances which have just been paid, then do it.

FICO 08 Starting Scores (3/7/15) EQ: 694 TU: 702 EX: 659
4/24/2015: EQ: 745 TU: 735 EX: 755
8/7/2015 EQ: 767 TU 765 EX: 778
Message 22 of 23
Regular Contributor

Re: Ouuuccchhhhh. 40 point dings after last car payment.


@mc90403 wrote:

If I'm correct, I should wait for 3 cycles to report before requesting more Luv from Disco.

 

What about Cap One? Does timing matter? If I am below 29% aggregate usage, below 45% on Cap one and below 65% on Disco ( or even lower thresholds) would it matter how long I waited before asking again?

 

Those extra boosts could get it below the next threhsold levels quicker, which is why I tried now.

 

Will wait on Synchrony, then perhaps try to bump Amazon from 15K to 20 or 25 after things clear up. They seem to be generous. When from like 3 or $600 on Lowes to 25K in the same day with one phone call in the early stages of rebuilding.



Disco is hard to figure out.  You can request every day or week or month, etc.  Some have better luck requesting after statement cuts.

 

I don't think CapOne hands out auto denials if you request a CLI too soon after a previous denial.  But it probably wouldn't do any good with them to request more than once a month.

Message 23 of 23
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