Darth Gilbert

Thanks for posting this. I requested a CLI on my Citi ThankYou on the website and received a $1400 cli from $8700 to $10100. This is my first CLI in the 4 years I've had the card. It didn't even seem like a soft pull. Just asked for income and mortgage info, and poof!

Hmm. This seems to only be for Discover It at this time. My Discover More doesn't even generate a statement unless I carry a balance, which I haven't done since July.

Up 7 to 830

Up 14 to 786!

-9 to 823. I think I let one extra card report a balance this month.

+3 to 772

+1 to 815

836! This is my best score ever. I had several new accounts opened one year ago, including this one, so I got a nice boost.

811 down from 814 last month.

And now for the 6th consecutive month... 797!

Just noticed yesterday, up 23 points from 791 to 814. This is the highest score I've ever had. Only positive change I can think of is an inquiry and 2 accounts passing the 6 month mark.

People have shared a number of reasons why a FR is a 'big deal.' I've been fortunate enough to never get FR or AA, so it would be a big deal to me simply because I have over a dozen creditors who have never done it. If Amex or another creditor requested an FR I would likely close the account and tell them to take a flying leap(Except for Penfed maybe ) I've only been with Amex for about a year so if she stops putting out, I have other options.

797 for the third straight month. How boring.

786 down 5. I let an additional account report a balance this month, so I guess that'll do it.

You would probably help your score the most by paying off the "small" cards because you would have many fewer accounts with balances. However, you may want to share more specific information about the balances and limits on those cards.