Reply
Regular Contributor
Posts: 440
Registered: ‎02-08-2012
0

Does Comenity Use Their Own Scoring Model?

I requested a CLI increase on my express card last month and i received the letter today with a score on it that i know is not my actual score.. Do they use their own internal scoring system??

Goal: 700 and an Amex Card!

Chicks Dig Guys With Good Credit :smileyhappy:
Regular Contributor
Posts: 244
Registered: ‎02-08-2013
0

Re: Does Comenity Use Their Own Scoring Model?

I applied for stage credit card which is a store card. They pulled my EQ score and the letter I got say 945 is my score out of maximum of 999, which seems different from other score model. Pathetic thing is they still declined my application saying many inquires in last few months and many new accounts. Good luck for you .
USBank Cash+(14K)/Penfed Rewards Visa Sigg (25K)/ Penfed Promise card (5K)/ Penfed Amex Travel Rewards card(20K)/AMEX ZYNC (NPSL)/AMEX Startwood(9K)/AMEX COSTCO(5K)/AMEX EVERY DAY (10K)/AMEX HILTON HONOURS (8K)/CHASE FREEDOM(4K)/Chase Salte(12K)/AMEX Fidelity Investments(7.5K)/BOA Better Balance Rewards(5K)/BoA Travel Signature Card (10K)/BoA rewards cards (15K)/AMEX MACYS(6K)/Barclaycard Rewards(3K)/Salie Mea (5K)/DISCOVER IT(7K)/ DCU VISA Platinum Card(7.5K)/PAYPAL MASTER CARD(8K)/GAP(4.5K)/US Bank Flex Rewards (6K)/ Best Buy (4k)/Gymbore Visa card(6K)/ TARGET(600)/CHILDREN PLACE(900)/WALMART DISCOVER(8K)/TOY R US MASTER CARD(8K)/JCP(4K)/KOHLS(400)– Total 31 Cards
Regular Contributor
Posts: 440
Registered: ‎02-08-2012
0

Re: Does Comenity Use Their Own Scoring Model?


wajidkhanp wrote:
I applied for stage credit card which is a store card. They pulled my EQ score and the letter I got say 945 is my score out of maximum of 999, which seems different from other score model. Pathetic thing is they still declined my application saying many inquires in last few months and many new accounts. Good luck for you .

That sounds like they pull EQ but use their own scoring model.. Thanks!

Goal: 700 and an Amex Card!

Chicks Dig Guys With Good Credit :smileyhappy:
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.