Explain Please

[Eyisila]

Can someone explain to me what this means. 

Backstory - I tried via CA's post about calling for Comenity CLI's.  I tried JCrew to no success. Tried on a couple other ones I had with no success either.  I got the letters in the mail and for the other two, it basically said that the accounts were to new and they wanted to see consistent payment/use etc.  Understandable as they are about 7 months old.  But for JCREW it said something completely different.  I will post what the letter said:

The decline reasons as follows:

1.  Limited credit experience - AAoA about 3 years but do have some newer accounts opened within the past 6 months, so semi-understandable.

2.  High outstanding balances in relation to credit limit - Utilization, understandable.

3.  Unable to verify credit history - This is the one I don't understand.

None of my reports are frozen, all of the information in those reports is accurate.  So anyone have a clue why this is a reason.  I am used to seeing the "standard" reasons, but this one threw me.

Any and all help is appreciated

[-Wade-]

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@Eyisila wrote:

Can someone explain to me what this means. 

Backstory - I tried via CA's post about calling for Comenity CLI's.  I tried JCrew to no success. Tried on a couple other ones I had with no success either.  I got the letters in the mail and for the other two, it basically said that the accounts were to new and they wanted to see consistent payment/use etc.  Understandable as they are about 7 months old.  But for JCREW it said something completely different.  I will post what the letter said:

The decline reasons as follows:

1.  Limited credit experience - AAoA about 3 years but do have some newer accounts opened within the past 6 months, so semi-understandable.

2.  High outstanding balances in relation to credit limit - Utilization, understandable.

3.  Unable to verify credit history - This is the one I don't understand.

None of my reports are frozen, all of the information in those reports is accurate.  So anyone have a clue why this is a reason.  I am used to seeing the "standard" reasons, but this one threw me.

Any and all help is appreciated

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How many TL's do you have on your reports ???  Did you see where they did a HP ??? Also has anything changed in your personal info ??

[mongstradamus]

Are you trying the "shopping Cart" trick? Its pretty hit or miss for me mostly miss. I haven't been successful with jcrew express or victoria secret. I have decent credit score and an clean credit report, so i really don't know what the exact trick is 

[Eyisila]

@Wade

How many TL on my reports?  Per TU report from this month (which basically is the same as EQ/EX) there are 10 "good standing" accounts and 5 "adverse" ones.

Has anything changed with my personal info?  No, everything has been the same for 7 years at least.

Did you see where they did a HP?  No HP done.

@Mong

This was not the cart trick.  That is how I initially got the card in Dec of last year.  I was trying the call in and request an increase thing that Credit Addict and others have had success with for the Comenity cards. 

It was just a SP so no harm, I just thought it was odd that the cards, JCREW, VS and Woman Within were all opened within weeks of each other and the other 2 came back with the "to new account" letter and JCrew came back with this. And that last part/reason just confuses me.

[coldnmn]

If I remember reading right. I think they like 9 months credit history on current card before giving a CLI. At that time you can keep hitting the love button until denied.