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Established Contributor
eviLution
Posts: 543
Registered: ‎06-11-2012

Express/Comenity CLI button

Is it a SP or HP?


Current Score: DCU EQ 702 - EXP+ 711 - WM TU 719
Goal Score: 750+

Capital One Secured: 750 - DCU Platinum: 1500 - Discover IT: 1250
in the garden til 7/1/2013
Valued Contributor
injustifiiable
Posts: 1,085
Registered: ‎03-30-2012

Re: Express/Comenity CLI button

Word on the street is that it's SP...

 

How old is the account? I've heard you have to wait 9 months if it's new.



Starting Score: TU TransRisk 532| EQ FICO 635|EX Plus 612
Current Score: TU TransRisk 590|EQ FICO 677|EX FAKO 674|Vantage 684 as of March 6, 20
Goal Score: 750-800 across the board


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Established Contributor
eviLution
Posts: 543
Registered: ‎06-11-2012

Re: Express/Comenity CLI button

I just got it, but they only gave me $250 CL. D;

Current Score: DCU EQ 702 - EXP+ 711 - WM TU 719
Goal Score: 750+

Capital One Secured: 750 - DCU Platinum: 1500 - Discover IT: 1250
in the garden til 7/1/2013
Frequent Contributor
NewbieReed
Posts: 416
Registered: ‎12-05-2012

Re: Express/Comenity CLI button


injustifiiable wrote:

Word on the street is that it's SP...

 

How old is the account? I've heard you have to wait 9 months if it's new.


+1   I called Comenity on Friday to find out about CLI policies, they said 9 months for a successful request. I've heard its a SP too, but i havent tried it yet. I got an  auto CLI after 6 months. ($400 to $800). 

Starting Score: 526 EXP 09/2012 600 FICO 10/2012 608 EX (lenderpull)11/2012
Current Score: 4/2013 TU FICO 697, 02/2013 EQ 698 FICO (lender) 04/2013 674 Credit Sesame
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[OLD GOALS: For now- 680 on all 3 = GOAL REACHED IN 02/2013}
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Contributor
jennylocha
Posts: 88
Registered: ‎11-24-2012

Re: Express/Comenity CLI button


injustifiiable wrote:

Word on the street is that it's SP...

 

How old is the account? I've heard you have to wait 9 months if it's new.



It is a SP and you do have to wait 9 months before you can hit that love button. However.... in my personal opinion, I think that you should bypass that love button altogether and just call it in because its just better and more successful with the CLIs.

Current Score: TU 655 / EQ 661
Goal Score: 700 Club Across the board!

Valued Contributor
injustifiiable
Posts: 1,085
Registered: ‎03-30-2012

Re: Express/Comenity CLI button


jennylocha wrote:

injustifiiable wrote:

Word on the street is that it's SP...

 

How old is the account? I've heard you have to wait 9 months if it's new.



It is a SP and you do have to wait 9 months before you can hit that love button. However.... in my personal opinion, I think that you should bypass that love button altogether and just call it in because its just better and more successful with the CLIs.


That's good to know, then. I just got my Express account in December and can't wait to get some LUV from WFNNB...



Starting Score: TU TransRisk 532| EQ FICO 635|EX Plus 612
Current Score: TU TransRisk 590|EQ FICO 677|EX FAKO 674|Vantage 684 as of March 6, 20
Goal Score: 750-800 across the board


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Established Contributor
eviLution
Posts: 543
Registered: ‎06-11-2012

Re: Express/Comenity CLI button

Oops, I pressed it by accident. >.<

Current Score: DCU EQ 702 - EXP+ 711 - WM TU 719
Goal Score: 750+

Capital One Secured: 750 - DCU Platinum: 1500 - Discover IT: 1250
in the garden til 7/1/2013
Community Leader
Senior Contributor
laz98
Posts: 4,239
Registered: ‎09-06-2008

Re: Express/Comenity CLI button

It was a hard inquiry on my EX report just a few days ago.  Requested it online.

 

Strangely, I got a letter in the mail yesterday saying they were unable to approve my request (I got a $350 increase) for some miscellaneous reason.  Weird!  Same thing with my New York & Co account.

 

For some reason though, I am unable to request a CLI for my LOFT card online.  When I get to the screen where they ask for your income, nothing happens.  I click Submit & the page just refreshes itself!  I'll keep trying.

latest scores: Walmart TU: 730. MyFICO TU: ---. DCU EQ: 716. PSECU EX: 705.
Regular Contributor
dobirdsmommy
Posts: 174
Registered: ‎02-29-2012

Re: Express/Comenity CLI button

I got my card last night with a 500 limit. Gentleman on the phone said they are trying for 6ms CLI if you pay more then the min due every month. There is a new one about 2 miles from my house will try it Thursday.  They gave me the highest starting limit yet with just a SP.

Wallet:ME: 400 Cap One, 300 Cap One, 300 Orchard, 900 FH, Santander Car 12k/15k, Chase Auto Loan 15/16k, VS 350, BH 300, Express 500, Avenue 250, JCrew 300, HSN 500
DH: 300 Cap One 400 Cap One 300 Orchard 600 FH. AU - VS, BH
Member
silverzgirl
Posts: 25
Registered: ‎05-07-2013

Re: Express/Comenity CLI button

I have an Ann Taylor account that jumped from 500 to 2080 once Comenity took over. They did these CLIs automatically. I use it, pay for a few months and another couple hundred worth of increase is noted. They took over Talbots, and my 1K limit was raised to 3K right off the bat.

 

I would ignore the love button, because Comenity sends plenty of love if you use the cards (I have noticed none on my dormant NYCO card, which has not been used in 7 years.)



Starting FICO: EX-581, EQ-581, TU-581
May 2013: EX-628 (Sesame), EX-658 (Quizzle), EQ-640 (MyFICO), TU 656 (Karma)



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