Jump to content

muss08

Members
  • Content Count

    539
  • Joined

  • Last visited

About muss08

  • Rank
    Bump Influence XXXIX
  1. It wasn't much but it worked! Target increased my Red Card from 1000 to 1400. I'll take what I can get from them!
  2. After many of our successes with the Capital One Executive Offices, I decided to try something similar with the Target Red Card. I was hoping that TD Banks recent purchase of Target credit products would aid many of us in getting CLIs. I emailed a certain executive at TD Bank about a month and a half ago asking about a CLI. Well, a few days ago I received a call from Targets EO. After playing phone tag for a couple days I talked to a nice young lady who explained they usually do not take customer CLI requests because of the CARD Act and that they are worried about possible future implications if they extend too much credit. However, she said if I could give her my yearly income she would forward my information to underwriting. They need to know a customer's yearly income in case they are audited by the government. SO, I should be hearing back from her within the next day or two. If this works I will PM people with the email address I used. I don't want to give out too much information and have this person change their email address. I will update as soon as I hear back from her
  3. If I had to guess i would say the 1/19 Fair Isaac and the Intersections are duplicates. Probably another duplicate in there as well. You probably got off the original but the duplicate will remain and is still counted by the counter. Also, don't forget you have to B* off older softs as well. Still have one from March and a few from May before you'd get to the June one.
  4. You're fine to cancel the card if you'd like but I'd try calling a rep and seeing if you can't switch your secured card to an unsecured card first.
  5. Wait until the 30 day window has passed. Often this is a stall tactic and they hope you will contact them in response to their letter. If you do contact them within the 30 day window it will add additional time to the dispute process.
  6. Ask for 3X your current limit if this is your first CLI. They wont go higher than this. Also, they'll use your last account review soft in their decision. They wont pull a new inquiry. @max.b- yes they'll give you a limit higher than 1/5 of your income.
  7. @lucky- You are on the C* block. Pulling just USAA wont get you to B*. You need to add two more pullers to get there. @studio- You need to add another puller. MPM and USAA will count towards EQ but the others do not. Add EC or CS if you have an AMEX. EC will allow you to see your softs. You will only be able to see your softs through EC or backdooring your EQ report. How long it takes to achieve B* depends on how many soft and hard pulls you have. Remember, if you have soft pulls older than your hard pulls you will B* those soft pulls off first.
  8. I recently got CLI, rewards and APR reduction through EO. Got the 0% BT checks a few days ago. Hopefully the upgrade offer will be coming soon!
  9. I just explained that I'd like to use the card more but I'm worried about utilization. When I talked to the rep she never asked what I wanted the CLI for. Just verified some info and submitted the request to UW for me. Very simple, easy process
  10. You don't deal with the CEO. There are multiple reps that work in the executive offices and one of them is assigned to you. Once you get assigned to a person you deal with that person exclusively. Never any questions about the email but most email addresses can be found somewhere online. Also, my requests for my Capital One card resulted in a soft pull but my requests for the HSBC card resulted in a hard pull
  11. Talking to a regular account specialist will get you nowhere. You need to email or call their Executive Offices.
  12. Discover will hard pull if your CLI request is very high. Sometimes Amex will base their decision on the last soft AR they pulled, sometimes it'll be a hard.

About Us

Since 2003, creditboards.com has helped thousands of people repair their credit, force abusive collection agents to follow the law, ensure proper reporting by credit reporting agencies, and provided financial education to help avoid the pitfalls that can lead to negative tradelines.
×
×
  • Create New...

Important Information

Guidelines