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Sent an email to the EO of Capital One showing my bills from the hospital when I missed the payments in 2012(120 day late). I think you're right, I think it's holding me back. I have 18 accounts all perfect payment, this is my only account that I have problems with(on TU, still some medical collections on EX and EQ).

But the same goes. Using the term "clean" on a profile with lates is a misnomer. Doesn't matter if the lates are medical, dental, child related, divorce related, heroin addiction related etc. It's like saying your in good health with the exception of a bleeding femoral artery.

I said: "I have a 120 day late in 2012(was in the hospital). That's the only thing I can think of, other than that my report is clean and I have a 711 TU FICO."
Who called it a clean file? I took a short cut to say the rest of the file is clean, while admitting it had a really bad item on it. I have a thick file, 40 pages printed out(Some paid off mortgages with a dozen years of history). AAOA of almost 10 years. Decent income. Of the 18 accounts on my TU, it's the only bad mark on it. I know the other is a big "But", but how should I describe it that doesn't get the peanut gallery in an uproar? Other than attaching our full credit report on every post, it's difficult to qualify the differences in everyone's report. I suppose it would have been clearer if I had amended the statement to say "I have a 120 day late in 2012(was in the hospital). That's the only thing I can think of, other than that all the other accounts on my report are paid as agreed and I have a 711 TU FICO.
But just for shits and giggles because everyone says they ask daily. I hit the button again on a different computer and FINALLY got my first CLI in 22 months of having this card. + $400 to $1,200. Hopefully this won't be my only CLI. I was at 19% usage when I got to 711. Now they are all paid off(should be on my report in the next week or so), and I have new Credit lines of $24k(NFCU) and $15k(NFCU CLOC)(neither on report yet). So that should get me a few more points, and hopefully another CLI next month. I just don't want any sub $1k cards.
The only thing that changed was a new statement came out and I used the card for $100 or so yesterday. My guess is this is the first time AFTER a statement where I had a 700+ credit score(previously 642) and so now they are finally willing to play. So it's not just that their SP for the credit reporting happens, but also the next statement happens too. Hopefully this is the first of many CLI's from them.
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It has been a while, so I requested a CLI. They asked for proof of income via fax or mail. I chose mail. They bumped it up to $63,500. This card started out with a $2,000 CL. It took 13.5 years of sem

$500 to $29800.  First CLI appr on this card in 13 mo.  (Last CLI $5k; card has had very limited use in the last year)   Interestingly, the CLI request form didn't request "Available Assets"

👍 Tire scrub: the enemy of your enemy is your friend. 

I suppose it would have been clearer if I had amended the statement to say "I have a 120 day late in 2012(was in the hospital). That's the only thing I can think of, other than that all the other accounts on my report are paid as agreed and I have a 711 TU FICO.

 

Just say you have a 120 day late. That's all that matters. From a credit score perspective, the other 15 years of ontime payments don't matter, nor does the fact that you were in the hospital when your late payment occured.

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I disagree, I think the overall contents of the profile matter quite a bit. Take for example the following scenarios.

 

1. 1 card with a 120 day late 4.5 years ago, oldest accounts over 20 years, AAOA 9.8 years. 8 active Revolving lines.

2. 1 card with a 120 day late 4.5 years ago, 3 other accounts with late payments including over the last year up to 90 days, AAOA 2 years. Multiple medical collections over the past five years. And a reposession on a car loan. 36 inquiries. (More or less what someone posted recently)

3. 1 card with a 120 day late 4.5 years ago, no other information in the file.

 

It's kinda silly to say "Just say you have a 120 day late and leave it at that." Because that could cover scenario 1, 2 and 3. And yet their files are vastly different. In the case of the original topic- chances are someone with profile #1 is MUCH more likely to get a CLI, than #2 or #3.

 

My point is it's better to have more information on what a profile looks like. I wasn't bragging that I have a clean report because obviously that's not the case. I was just clarifying my score/profile. I think more information is better than less. I like the Credit Pull entries that state more about their profile than just a score, where it pulled from, and what their credit line was.

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So it was as I expected.

 

10/3 Disco Fico TU 642

11/3 Disco Fico TU 658

11/8 Updated Disco Fico on website

11/8 Applied for CLI- Denied

11/10 Statement for Disco

11/11 Applied for CLI- Approved

 

When I got my Denial letter from the 11/8 application they stated the 10/3 FICO of 642. So even though they had pulled 5 days earlier, and were showing my new score on their website. They still used the old score. One of the reasons was High balances, which I took care of last month.

 

Now if I could just get them to show the same FICO that CCT is showing(711), we'd be golden. Well that and a couple tens of thousands of more in credit limit of course.

 

So if you're reading this thread, just a note that sometimes the score they use is not the score they are showing on their website. I don't know if it's based on the statement being released or what.

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I request a Discover CLI every month after my statement is generated.

 

I received a $3000 CLI last month, although no increases the previous 2 months. Limit was now $45,500.

 

I requested a CLI a couple days ago. Your request will be reviewed, etc, etc.

 

I just checked, and they gave me a $6000 CLI. New limit is $51,500.

 

Income $62629. Discover FICO score is 760. No proof of income, or anything special required. Card is 45 months old.

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I have been banging my head against a $11,700 limit. High income, plenty in reserves, 740 score. I got a stack of their "Thanks but no thanks" letters on my desk at home. Called today to see if I could bypass it that way, no luck. Prolly fills out the same form I do online.

 

I have gone from

 

$6700 11/2015

$7200 2/16

$8700 4/16

$10200 7/16

$11700 8/24/16

 

Have I hit some sort of internal limit?

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I have been banging my head against a $11,700 limit. High income, plenty in reserves, 740 score. I got a stack of their "Thanks but no thanks" letters on my desk at home. Called today to see if I could bypass it that way, no luck. Prolly fills out the same form I do online.

 

I have gone from

 

$6700 11/2015

$7200 2/16

$8700 4/16

$10200 7/16

$11700 8/24/16

 

Have I hit some sort of internal limit?

 

I doubt it... some people only get increases every 91 days.

 

YMMV.

Edited by Kat58
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Current limit is 44K. Requested CLI 11/11. Today I got an email to call in to verify information. Called and restated my income and was approved for CLI to 50.5K if I provided proof of income or 50K if I did not.

 

I really don't mind providing a W2, but I like round numbers so I took 50K. 6K CLI.

 

How do the rules on 50K cards work again? This is the first 50K limit I've ever had. They don't count on utilization or something?

 

 

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Current limit is 44K. Requested CLI 11/11. Today I got an email to call in to verify information. Called and restated my income and was approved for CLI to 50.5K if I provided proof of income or 50K if I did not.

 

I really don't mind providing a W2, but I like round numbers so I took 50K. 6K CLI.

 

How do the rules on 50K cards work again? This is the first 50K limit I've ever had. They don't count on utilization or something?

 

 

Congrats on the 50K line. :yahoo:

 

They don't count for individual util for Fico, only count as overall util %

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I have been banging my head against a $11,700 limit. High income, plenty in reserves, 740 score. I got a stack of their "Thanks but no thanks" letters on my desk at home. Called today to see if I could bypass it that way, no luck. Prolly fills out the same form I do online.

 

I have gone from

 

$6700 11/2015

$7200 2/16

$8700 4/16

$10200 7/16

$11700 8/24/16

 

Have I hit some sort of internal limit?

May just now be on the 90 day plan, in which case requests prior to 91 day intervals may be fruitless.

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Current limit is 44K. Requested CLI 11/11. Today I got an email to call in to verify information. Called and restated my income and was approved for CLI to 50.5K if I provided proof of income or 50K if I did not.

 

I really don't mind providing a W2, but I like round numbers so I took 50K. 6K CLI.

 

How do the rules on 50K cards work again? This is the first 50K limit I've ever had. They don't count on utilization or something?

 

Awesome! Congratulations on the first 50k!!!

 

 

($500 extra after POI?! WTF)

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Current limit is 44K. Requested CLI 11/11. Today I got an email to call in to verify information. Called and restated my income and was approved for CLI to 50.5K if I provided proof of income or 50K if I did not.

 

I really don't mind providing a W2, but I like round numbers so I took 50K. 6K CLI.

 

How do the rules on 50K cards work again? This is the first 50K limit I've ever had. They don't count on utilization or something?

Awesome! Congratulations on the first 50k!!!

 

 

($500 extra after POI?! WTF)

 

 

Like I said I really don't mind providing a W2, but over $500?

 

I can't complain, but Discover lol.

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Finally got in on this. I thought I was going to be stuck at $1500 forever. They gave me an auto CLI to $2500 a few months ago. My statement cut yesterday (tried and was denied, tried again today and I got another $1500). I'm OK waiting every 90 days. It's better than what I had been getting.

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I requested a cli online early yesterday morning. It still says that it is under review.

 

I requested the CLI early Thursday morning. It has been 2 days.

 

Discover just called. My CLI for 6K has been approved. No POI.

 

45.5K to 51.5K

 

Very little spending in the last few months.

Edited by JDK83
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I requested a cli online early yesterday morning. It still says that it is under review.

 

I requested the CLI early Thursday morning. It has been 2 days.

 

Discover just called. My CLI for 6K has been approved. No POI.

 

45.5K to 51.5K

 

Very little spending in the last few months.

 

That's Great! Congratulations!!!

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