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Comenity Bank CLI Question

Regular Contributor

Comenity Bank CLI Question

I made a CLI Increase on 5/22 for two of my Comenity Bank Cards: Victoria's Secret & JCrew.  I received a 7-10 message, which I thought was odd since my score was in the mid/high 600's per my fico EQ on 5/22.  I finally get the letter yesterday from both. The odd thing was, they pulled EQ showing 507 on 5/7...I thought it was strange that they had a 160 point difference and showed they pulled the score on 5/7 when I didn't request an increase until 522.  Any thougts on this? Thanks!

Amex BCE 24.5K | BofA Cash Rewards 15K | CSP MC 13.5K| Chase Freedom 7.5K | Discover IT 3K
Message 1 of 8
7 REPLIES
Established Contributor

Re: Comenity Bank CLI Question

Commenity doesnt use FICO scores... they are probably FAKO, did they give you the scale? 1 to 900. 300 to 850?

Amex PRG NPSL, Amex Delta 2k (AU) Discover iT 5k, BOFA Siggy $5k, BOFA AlaskaAir Siggy 5k, BBVA Compass $5k! Macy's $4.5k, C1 $2.5, SFCU $2.5k, SFCU LOC $2k, Paypal SmartC $4k, Sam's 5.5k Victoria Secret $2k, Kay's $1.7k.,76/Citi $1.5k Amazon $5k, Walmart Disco $3k JC Penny $4k, C1 $2.5, BBRZ 700.
Starting:TU:536 EXP:561 : EQ:552 Current:TU:680 Walmart (2-15-14)EXP:712 FICO!! (12-4-13):EQ:622 (FICO 2-6-14) Uti 27% Goal: 720 By 12-13.
Message 2 of 8
Regular Contributor

Re: Comenity Bank CLI Question


zerobacan wrote:

Commenity doesnt use FICO scores... they are probably FAKO, did they give you the scale? 1 to 900. 300 to 850?


So my FAKO scores would be that much lower?? It said on 5/7 my EQ score was 507.  Scale 350-850.  I requested the increase on 5/22. So I'm super confused. I'm not sure what I should do.  My VS is a zero balance on 1150 and JCrew 90 on 950 (statement cut the day after I bought something).  I was just trying to increase since I haven't had one in a while....I guess I should wait until another day?

 

Amex BCE 24.5K | BofA Cash Rewards 15K | CSP MC 13.5K| Chase Freedom 7.5K | Discover IT 3K
Message 3 of 8
Established Contributor

Re: Comenity Bank CLI Question

Maybe they SP'ed you on 5/7 and used that when you requested CLI?

FICO: EQ 768 | TU 813 | EX 781

Amex BCE $25000, SFFCU Visa $15000 + LOC $5000, USAA Amex $6000, USAA MC $7000, Cap1 $8000, Freedom $12000, Slate $500, Barclays "RIP" SM $11500, USBank Cash+ $7500, Citi Diamond $7900, Citi Double Cash $3700, Care Credit $13500k.
My Credit Repair Journey
Message 4 of 8
Regular Contributor

Re: Comenity Bank CLI Question


kroberts67 wrote:

Maybe they SP'ed you on 5/7 and used that when you requested CLI?


Maybe, but that is significantly lower than what I saw 2 weeks later.  I guess I just have to accept the weird situation and I'll try again some other time.

 

Amex BCE 24.5K | BofA Cash Rewards 15K | CSP MC 13.5K| Chase Freedom 7.5K | Discover IT 3K
Message 5 of 8
Regular Contributor

Re: Comenity Bank CLI Question

I called to find out what was going on and thought I'd relay the information here for anyone that pursue's a CLI.  Clearly not sure of the accuracy but just relaying the info.

She stated the although Comenity provides their information weekly (this is weird considering I've only noticed mine updating monthly) they only receive credit score updates from the CRA every 30-60 days. She stated they are HP's but I didn't receive an alert from scorewatch that a new inquiry hit.

So are SP's basically the score that they have on hand (which will update 30-60) and a HP would be advising them to pull the score as of today?

Amex BCE 24.5K | BofA Cash Rewards 15K | CSP MC 13.5K| Chase Freedom 7.5K | Discover IT 3K
Message 6 of 8
Established Contributor

Re: Comenity Bank CLI Question

I will have to agree with them updating the CR every week. If I charge something the next week it is on my Bureau's, even though my statements wont cut for another 3 weeks.

building since 2011 Wallet:ME: Walmart 3k;Barclays Rewards 10k, Venture 18k; Slate 5k; Freedom 10k; overstock 4.8k, SGV2.5k; WEMC 20k 1.5 Rewards, Gamestop 1.2k, Fingerhut 3k; 2 NMAC Leases , VS 1.75k, BH 1.62k, Express 1.6k, Avenue 1.75k, JCrew 5k, HSN 1.47k, Torrid 1.55k, Roamans 1.4k, Jessica London 1.54k, kings direct 1.7k, Buckle 1.4k, WW 1.65k, ........ baddies:Fed Tax Lien
DH: 1750 capital one fh 2000, AU - VS, BH, HSN, WEMC, SPGV. Freedom, Slate, Venture, Barclays
Message 7 of 8
Member

Re: Comenity Bank CLI Question

I had the same issue. Except mine showed a credit score as of 2/12/13 and I did the CLI request in May. Ridiculous really

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