Vent: I was stuck at a 640 score for months until I tried asking for a credit limit increase on my oldest card, which boosted my available credit by $2,000 and finally pushed me over 700.

I called my Discover card issuer after reading a tip on this forum, and they did a soft pull that didn't hurt my score at all, so has anyone else had success with a specific card company being really easy about this?

2 comments

2 Comments

shane_williams425d ago

That "stuck at a 640 for months" feeling is the worst. I was in the same boat with my Capital One card. Just felt totally stuck no matter what I did. Giving them a call was so easy, they just asked a couple questions and bumped my limit. It's crazy how one phone call can finally get things moving.

violay2725d ago

Nice, glad you got that bump. My Amex was super easy too, just logged in and used the online form, instant approval. @shane_williams4 is right, Capital One is usually chill about it. The key is asking for a soft pull like you did, hard pulls will set you back.