1 of 8
2 years ago
Tue May 24, 2022 3:21 am
LaHossBoss
Outlier
LaHossBoss has been gardening for over 2 years.
I was bored and went for a SP CLI on my Custom Cash a couple weeks back just to see what they would say.
I was given a 5.5k SL back in Dec and people state you can try at the 3 month mark, so I figured what the heck.
I have put this CC through a lot - BTs and heavy use, but it shows high credit at just under $3.8k, so I havent driven it to the max in any given month....yet. I am running a 15 mo 0% offer, so I have not necessarily been PIF every month, since I have the BTs. I have paid the BTs down aggressively and always PIF my new purchases. I have recently been <30% util, but have had <50% and <70% report in the past.
I figured why not? Let's see what they say. I had everything reporting <30%, so rolled the dice.
I was denied. I am honestly not truly surprised as I still have a CA reporting and others have stated that while they had a derog reporting at initial approval, as in my case, they have had it held against them later when asking for a CLI.
I will follow up with a pic of the denial letter, but while it mentioned specifically the major derog was part of the reason, they claimed the actual "reason for denial" was that my score was too low!
My EX BC9 showed at 679, I will have to check if that was a fresh SP or an old one, but my approval was when I was >700.
No sweat, it was a free shot at a CLI, and I will just circle back in Aug/Sept when the CA is removed and try again! I should have everything closer to AZEO then, so maybe that will help too.
I was given a 5.5k SL back in Dec and people state you can try at the 3 month mark, so I figured what the heck.
I have put this CC through a lot - BTs and heavy use, but it shows high credit at just under $3.8k, so I havent driven it to the max in any given month....yet. I am running a 15 mo 0% offer, so I have not necessarily been PIF every month, since I have the BTs. I have paid the BTs down aggressively and always PIF my new purchases. I have recently been <30% util, but have had <50% and <70% report in the past.
I figured why not? Let's see what they say. I had everything reporting <30%, so rolled the dice.
I was denied. I am honestly not truly surprised as I still have a CA reporting and others have stated that while they had a derog reporting at initial approval, as in my case, they have had it held against them later when asking for a CLI.
I will follow up with a pic of the denial letter, but while it mentioned specifically the major derog was part of the reason, they claimed the actual "reason for denial" was that my score was too low!
My EX BC9 showed at 679, I will have to check if that was a fresh SP or an old one, but my approval was when I was >700.
No sweat, it was a free shot at a CLI, and I will just circle back in Aug/Sept when the CA is removed and try again! I should have everything closer to AZEO then, so maybe that will help too.
Click images to enlarge them.
- Score data EQ 8: 690 9: 655 5: 668 TU 8: 704 9: 658 4: 719 EX 8: 729 9: 642 2: 746
- Classic 8 Scorecard DIRTY/PUBLIC-RECORD/MATURE
- Mortgage Scorecard DIRTY/PUBLIC-RECORD
- AoOA 16y
- AoORA 14y 4m 2y 5m
- Date of Last Inquiry and/or New Account Opening December 9th, 2021