Comenity is on to me?!

Creditaddict · ‎02-21-2015

3 of my Comenity cards are now asking me to check a box on the CLI form that I give them permission to access my credit report before I submit a CLI.

Orbtiz

Jcrew

Express

I rarely have ever seen this button so not sure what triggers it.

Te3030 · ‎02-21-2015

I don't see it on my Jcrew or Express.........I don't have Orbitz. Maybe they just an updated report for you.

Anonymous · ‎02-21-2015

Uh oh.

skigirl916 · ‎02-21-2015

I just went and checked on Express, Limited and VS. No such box. And I click the luv button like twice a month.

I think you're in trouble, Addict!

Anonymous · ‎02-21-2015

No more luv button for you!

Anonymous · ‎02-21-2015

ouch .. good luck

B335is · ‎02-21-2015

I wonder what causes this to happen? I push the J Crew button all the time, just checked and no box. Knock on wood..

chalupaman · ‎02-21-2015

I wouldn't poke the Comenity bear for a while. That's my gut feeling here.

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down

Anonymous · ‎02-21-2015

They are definitely catching on to the utilization runs.

Next thing you know all SCTs will be HP.

Boonie · ‎02-21-2015

I have the same message/box on most of my Comenity cards now. I finally took the leap on 3 cards and tried it, no CLI and no HP so far. I think it is just to scare you that a HP is possible. Not sure what triggers it, a only a couple of my Comenity cards don't have the message/box. They appear to be slowing the CLI train.

04/10/17 - FICO 8s - EX 769, EQ 710, TU 724