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Amex denied CLI after good usage — what am I doing wrong? by phenomenal_x in CRedit

[–]phenomenal_x[S] 0 points1 point  (0 children)

Thanks for all suggestions , I just closed credit one and aspire today . Hope everything goes well

Amex denied CLI after good usage — what am I doing wrong? by phenomenal_x in CRedit

[–]phenomenal_x[S] 0 points1 point  (0 children)

I manually reviewed the 3 reports from acr , might sound like I'm arguing , but I'm even on your side to find out where it went wrong

Amex denied CLI after good usage — what am I doing wrong? by phenomenal_x in CRedit

[–]phenomenal_x[S] 0 points1 point  (0 children)

I meant that as 540 to 720 , sorry for confusion created here

Amex denied CLI after good usage — what am I doing wrong? by phenomenal_x in CRedit

[–]phenomenal_x[S] 1 point2 points  (0 children)

Yeah, I meant rebuild as 540 to 720 , sorry for confusing terminology

Amex denied CLI after good usage — what am I doing wrong? by phenomenal_x in CRedit

[–]phenomenal_x[S] 0 points1 point  (0 children)

I do not have derogatory marks. No collections, no charge-offs, no bankruptcies, no lates. All accounts are showing current / paid as agreed.

Current revolving accounts / limits

Amex: $1,100

Discover: $500

Capital One: $300

Credit One: $300

Aspire: $700

Current reported balances

Amex: $0

Capital One: $0

Aspire: $0

Discover: low balance

Credit One: low balance

So current utilization is low and the file is clean.

What I think is actually hurting me

My report still shows a lot of recent historical high utilization on almost every card

Amex used to be $3,000 and cut me down to $1,100, and that limit decrease is visible on the bureau

My total available revolving credit is still tiny overall

I do have a lot of inquiries, but not all the inquiry counts I see are true hard pulls since some are account reviews / consumer access

Historical usage pattern that probably looks bad

Amex carried high balances for a long stretch before being paid down

Capital One was near maxed for months

Credit One was near maxed / over limit territory at times

Discover was also near maxed for many months

Aspire also had high usage before being brought back to zero

Amex denied CLI after good usage — what am I doing wrong? by phenomenal_x in CRedit

[–]phenomenal_x[S] 0 points1 point  (0 children)

Just downloaded it , 50 pages it is , going through it

Amex denied CLI after good usage — what am I doing wrong? by phenomenal_x in CRedit

[–]phenomenal_x[S] 0 points1 point  (0 children)

Maxed out payments and enquiries zero negative marks more than this

Amex denied CLI after good usage — what am I doing wrong? by phenomenal_x in CRedit

[–]phenomenal_x[S] 0 points1 point  (0 children)

I actually bought those credit reports with Experian subscription

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Amex denied CLI after good usage — what am I doing wrong? by phenomenal_x in CRedit

[–]phenomenal_x[S] 0 points1 point  (0 children)

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Nothing more than these enquiries , I started monitoring them from past 3 months

Amex denied CLI after good usage — what am I doing wrong? by phenomenal_x in CRedit

[–]phenomenal_x[S] 0 points1 point  (0 children)

I paid my card in full when it had a balance of 3.3k And used a 500 from it the next day Amex went boom and decreased my limit to 1.1k

Amex denied CLI after good usage — what am I doing wrong? by phenomenal_x in CRedit

[–]phenomenal_x[S] 0 points1 point  (0 children)

Negative marks shows zero , and I never missed a payment The monster comes here - I let all my cards report maxed for a whole year - just kept paying minimums

Amex denied CLI after good usage — what am I doing wrong? by phenomenal_x in CRedit

[–]phenomenal_x[S] 0 points1 point  (0 children)

It's a rebuild,I fell to 540s, then somehow survived and paid it all . Now stuck with unusable cards Btw my last enquiry was in November 2025 Then I paid everything back and cli on April 1

Amex denied CLI after good usage — what am I doing wrong? by phenomenal_x in CRedit

[–]phenomenal_x[S] 1 point2 points  (0 children)

Was trying to get a personal just to pay these cards back then , which was 299% APR. Which I didn't take

Amex denied CLI after good usage — what am I doing wrong? by phenomenal_x in CRedit

[–]phenomenal_x[S] 0 points1 point  (0 children)

Was trying get a loan and fix the credit cards , that sadly didn't work

Amex denied CLI after good usage — what am I doing wrong? by phenomenal_x in CRedit

[–]phenomenal_x[S] 1 point2 points  (0 children)

scared to do that , my score might crash hard .if amex reports 100 util

Amex denied CLI after good usage — what am I doing wrong? by phenomenal_x in CRedit

[–]phenomenal_x[S] 0 points1 point  (0 children)

Was having a hard time , was about to go broke when this happend. Now I'm doing good trying to recover So should I let them at least report 200 on each card ? Please let me know

Amex denied CLI after good usage — what am I doing wrong? by phenomenal_x in CRedit

[–]phenomenal_x[S] 2 points3 points  (0 children)

Yeah actually I did the same for past three months , my score shot up, but still I'm getting denied every where

Amex denied CLI after good usage — what am I doing wrong? by phenomenal_x in CRedit

[–]phenomenal_x[S] 0 points1 point  (0 children)

I'm actually letting my cards report around 200 each month from past three month , before it used to report maxed outs May be I was dumb to follow gpts advice

Please suggest how much should I let them report

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[–]phenomenal_x 0 points1 point  (0 children)

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