spy23714 wrote:My FICO is 685, which I don't really understand.
Here are a couple of reasons from your own post:
spy23714 wrote:I have one late payment that is 31 months old
spy23714 wrote:My utilization is a bit high
I'm not sure how much impact a 31 month old late has off the top my head but your odds of getting the CLI would probably be better if those items were addressed. The hard pull from the request is a minor concern IMO with the number of HP's you indicated and when the existing one will fall off.
If you haven't read this then take a look. The derog impacts Payment History. Utilization falls under Amounts Owed. HP's fall under New Credit:
spy23714 wrote:I don't have any revolving payments as I recently paid off my truck.
Auto loans are installments. Your credit cards are examples of revolving. But, yeah, that did impact Mix of Credit.
spy23714 wrote:We were heading into a Texas summer with no air conditioner
Being in Houston I can definitely understand that affecting your priorities.