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I got my letter for the Total Rewards denial. I'm kinda stumped. It says on a scale of 1-999 for their internal scoring mine is 979. But they denied me for these reasons:
1. Too many inquiries. - I get this one.
2. Something about HELOC. I don't technically own a home or a mortgage and certainly haven't done a HELOC.
3. Too many cards with balances. I spread my balances out but PIF each month.
I didn't thin Comenity was too strict especially since I'm almost considered perfect on their interna scoring system .
Sorry to hear. Point 2 should be concern. I hope they had pulled correct report. Also make sure you have accurate CR and no discrepencies. HELOC when no home/mortgage - You should pay attention and insvestigate further. Since it is denial you should able to get free CR and take a look into that.
A few of us have seen denied for not have a mortgage loan... that's messed up if you ask me from a bank and I would make them send it back through for a 2nd manaul review... now finding someone that says that's possible or doesn't tell you to get a copy of your credit report because if you don't feel those denials are valid you would need to take it up with Equifax not them!
The mortgage part probably has to do with recoverable assets upon default, indicating home ownership. At least thats my $.02.