Synchrony and Comenity CLI (Stale Score Dates)

[dallasareaguy]

So I used to get increases on my Comenity like candy... then all of the sudden I started getting the 7-10 day message each time. Each time in the mail, I get the letters explaining and they always say the same date of 05/05 score date and 5/23 for another. The date of their "soft pull" is stale and just happens to be a moment where I had high utilization.. I've dropped my utilization to under 20% from the 80-90% it was at.. does anyone know how soon before Synchrony and Comenity might refresh my score and see the changes and go back to giving me monthly increases?

[Calistal]

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@dallasareaguy wrote:

So I used to get increases on my Comenity like candy... then all of the sudden I started getting the 7-10 day message each time. Each time in the mail, I get the letters explaining and they always say the same date of 05/05 score date and 5/23 for another. The date of their "soft pull" is stale and just happens to be a moment where I had high utilization.. I've dropped my utilization to under 20% from the 80-90% it was at.. does anyone know how soon before Synchrony and Comenity might refresh my score and see the changes and go back to giving me monthly increases?

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Comenity was using a 3 month old score, before they finally pulled a different one and pulled something new and gave me a CLI.  Hope that helps.  (FEB 28 - pulled a new in Early May)

[Anonymous]

Is there a way to tell when a SP has occurred?

[Calistal]

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@Anonymous wrote:

Is there a way to tell when a SP has occurred?

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I've never managed one, but with Comenity, when they send you the denial letter, they usually tell you what date the score their basing their decision off of came from.