@FlaDude wrote:I know some people request CLIs for sport. I'm a bit guilty myself, although a lot of my attempts were when I was carrying some pretty serious balances and could have really used them to improve my UTI/scores at the time. No harm in trying SP CLI requests but if it is not going to change your UTI, it is just for fun.
You mean it's not a sport? Now you tell me.
@Thomas_Thumb wrote:
@JNesbit89 wrote:My Experian finally updated; I am at 816. And my Equifaq one is 826. Idk what the final one is.
But should I do anything? Maybe ask for a credit limit increase or get a new card?
Congratulations, I know nothing about your credit file or what you consider important. Therefore, hard to give advice.
I did the CLI thing for three years - both SP and HP. The 2 EQ and 1 TU HPs only had a trivial impact on score. It was fun, more than doubled total CL without adding a card. Long term the higher CLs have been useful but, enough is enough. Otherwise, you could use your great credit to get a loan to add a maintenance free deck on your house along with a paver patio and some landscaping.
The most fun for me, after maxing out my Fico scores for years, was seeing how low my score could go without suffering a derog. Started a thread: "How low will my scores go". I was able to temporarily drop one of my Fico scores by over 100 points (EX Auto score 2: 861 => 738) just by paying off mortgage, allowing all cards to report a balance - one up to 54% -and increasing AG UT to 16%. Score rebounded quickly to over 800 when UT and cards reporting were reduced. Still no open loan.
That's your idea of "fun"?
Congrats on 810+ score!
If you had fun at 800 or 780, it's the same stuff. 
Actually there is something.. Since most people outside of forums like this don't know much or anything about FICO, etc. It might be fun to observe their reactions and comment if you responded to "hello, how's it going?" with your FICO score rattle on about credit.
Seriously. I do similar a lot of times, for years. When I realized I was spitting out the same response, greeting all the time and considered how lame that is, I began to experiment with responses.
All true responses, but it's interesting to see how people react. Lots of people hear what they expect to hear, just like the repetative responses are dispensed. It was refreshing to hear responses from people who really listened.
I think it's fun in a way, but it's very interesting and enlightening too.
@Thomas_Thumb wrote:
@SouthJamaica wrote:
@Thomas_Thumb wrote:
@JNesbit89 wrote:My Experian finally updated; I am at 816. And my Equifaq one is 826. Idk what the final one is.
But should I do anything? Maybe ask for a credit limit increase or get a new card?
Congratulations, I know nothing about your credit file or what you consider important. Therefore, hard to give advice.
The most fun for me, after maxing out my Fico scores for years, was seeing how low my score could go without suffering a derog. Started a thread: "How low will my scores go". I was able to temporarily drop one of my Fico scores by over 100 points (EX Auto score 2: 861 => 738) just by paying off mortgage, allowing all cards to report a balance - one up to 54% -and increasing AG UT to 16%. Score rebounded quickly to over 800 when UT and cards reporting were reduced. Still no open loan.
That's your idea of "fun"?
Gotta take a look at things from a different perspective sometimes. New insights and all that stuff.
If it was so much fun, I'm sure you'll be doing it again soon.
Not.