As expected! My BK7 will be around for another 3+ yrs so not surprising to get another denial. First attempt was at 6 months and change, this one is at 13 months. Looks like I'll most likely be stuck at $5k till I've got a clean report. Edit: For reference it's a BCP.
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Amex CLI Denial

1 of 2
6 months ago
Sat Mar 02, 2024 12:30 am
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EvenBetterThanTheRealThing
Seasoned Rebel
Level4 Last INQFriday, April 12, 2024 Gardening For4 months, 26 days, 20 hours, and 24 minutes Next Level in4 days, 3 hours, and 36 minutes on September 12th INQ 1yr onSaturday, April 12, 2025 INQ 1yr in7 months, 4 days, 3 hours, and 36 minutes INQ 2yr onSunday, April 12, 2026 INQ 2yr in1 year, 7 months, 4 days, 3 hours, and 36 minutes Goal12 months Goal DateSaturday, April 12, 2025 Goal In7 months, 4 days, 3 hours, and 36 minutes
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Last edited by EvenBetterThanTheRealThing on Fri Mar 08, 2024 9:21 pm, edited 1 time in total.
As expected! My BK7 will be around for another 3+ yrs so not surprising to get another denial. First attempt was at 6 months and change, this one is at 13 months. Looks like I'll most likely be stuck at $5k till I've got a clean report.

Edit: For reference it's a BCP.
EvenBetterThanTheRealThing
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Seasoned Rebel
  • Score data EQ8 688 TU8 698 EX8 692
    EQ9 711 TU9 707 EX9 717
    EQ10T 693 TU10T 704 EX10T 679
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Re: Amex CLI Denial

2 of 2
6 months ago
Fri Mar 08, 2024 5:24 am
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Dinosaur
Seasoned RebelDinosaur
Level4 Last INQMonday, April 8, 2024 Gardening For4 months, 30 days, 20 hours, and 24 minutes Next Level in3 hours and 36 minutes on September 8th INQ 1yr onTuesday, April 8, 2025 INQ 1yr in7 months, 3 hours, and 36 minutes INQ 2yr onWednesday, April 8, 2026 INQ 2yr in1 year, 7 months, 3 hours, and 36 minutes Goal24 months Goal DateWednesday, April 8, 2026 Goal In1 year, 7 months, 3 hours, and 36 minutes
EvenBetterThanTheRealThing wrote: ↑Sat Mar 02, 2024 12:30 am As expected! My BK7 will be around for another 3+ yrs so not surprising to get another denial. First attempt was at 6 months and change, this one is at 13 months. Looks like I'll most likely be stuck at $5k till I've got a clean report.
Realize credit can be very profile specific. Took me nine years to get a real credit card after the big BK7. Suspect the times were different as many people today appear to bulk up rapidly now. All I could do is acquire credit starters with $100 to $800 CLs. Citi went our on a limb in 2009 as my first big boy bank with a $4800 CL.
Dinosaur
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  • Score data EQ8:808 TU8:803 EX8:799
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