My question is Who sings the song for the new Discover Card advert? Many thanks for any comment. Another quick question... As we all well know, establishing and growing new credit lines is as important (if not more) as getting old derogatory and incorrect information deleted. A huge part in tackling the messes I made was just a matter of getting organized. I use Yodlee provided though my bank to stay on top of my open lines and accounts, and to stay on top of my bills. That certainly helps in ensuring my payments are timely, but in this credit climate, that alone won't be enough to help my TLs grow.



At first, I called in for CLI requests pretty much whenever I got pissed off that a CL was in my opinion, too low. Over this past year, I've taken a more calculated approach..

Now I keep a detailed record of the calls I make to creditors..

Now I have a basic word doc that looks like this:.

6/15/2009 - ABC Bank - Requested CLI - Granted - $100 increase to $850.

7/23/2009 - DEFG Bank - Requested Cards Combined - Denied - CSR claims they no longer do this.

8/12/2009 - HIJK Store - Requested CLI - Granted - $500 increase to $1,500.

9/30/2009 - LMNOP Store Visa - Auto CLI - Granted - $200 increase to $1,200.

This, combined with the info here regarding who is being generous with CLIs, and what the requirements probably look like internally (ie: we know some creditors will only grant a CLI every 3 or 6 months), I can time my requests, increasing the likelihood of a positive result..

I also have made a point of pulling open that sheet when I call to cancel services (credit monitoring trials, and that stupid account protection that the Discover credit card companies try to sell you, etc.) and jotting down the confirmation numbers. I keep them in a list, noting the name of the CSR (if I can even approach spelling it) the confirmation number, date and time of the call. I've gotten burned before, and I'm not about to let it happen again..

Just a couple things I've found helpful. I know I fell behind in part because my organization was lacking. Little things like these help me track my accounts, and make sure my efforts are well placed...