topic Re: Comenity Wayfair CLI x 2 in Credit Card Approvals

Comenity Wayfair CLI x 2

Anonymous — Fri, 13 Jul 2018 18:34:35 GMT

This is a SCT card I took my 1st week (late May 2018) here when I realized the only way to fix my 86% Util was: to owe less; or/and, have a larger credit line. Wayfair approved me for 1k initially and after registering online I got stiffed when asking for more. Recon call produced zip. Okay. Better than nothing.

A nice $1800 Disco CC balance reduction reported today w/EQ, which is the CRA on my Comm rejection letter, bringing my FICO 08 score up to 722 so today I logged in to give it another go. First pull on the Luv Lever got me to 2500. Okay. Logged out, cleared cache, logged back in for another swipe. Another 1500 to new total of 4000.

This extra 3k of credit when it reports next week will drop my overall Util another 6% to 42%. But hopefully TU will update that $1800 CC payment tomorrow (EX showed it 3 days ago) because I've got 5 more Luv Levers to pull, all that use TU scores.

Inching my way towards 28.9 ...

Re: Comm Wayfair CLI x 2

xaximus — Fri, 13 Jul 2018 18:27:15 GMT

Excellent! Congrats on the CLI's! You'll make it to 28.9......then further!

Re: Comenity Wayfair CLI x 2

Anonymous — Fri, 13 Jul 2018 20:19:12 GMT

Congrats on CLI

Re: Comenity Wayfair CLI x 2

AverageJoesCredit — Fri, 13 Jul 2018 20:37:26 GMT

Noice Luv Lever

Re: Comenity Wayfair CLI x 2

Anonymous — Fri, 13 Jul 2018 20:51:45 GMT

@Anonymous wrote:
This is a SCT card I took my 1st week (late May 2018) here when I realized the only way to fix my 86% Util was: to owe less; or/and, have a larger credit line. Wayfair approved me for 1k initially and after registering online I got stiffed when asking for more. Recon call produced zip. Okay. Better than nothing.

A nice $1800 Disco CC balance reduction reported today w/EQ, which is the CRA on my Comm rejection letter, bringing my FICO 08 score up to 722 so today I logged in to give it another go. First pull on the Luv Lever got me to 2500. Okay. Logged out, cleared cache, logged back in for another swipe. Another 1500 to new total of 4000.

This extra 3k of credit when it reports next week will drop my overall Util another 6% to 42%. But hopefully TU will update that $1800 CC payment tomorrow (EX showed it 3 days ago) because I've got 5 more Luv Levers to pull, all that use TU scores.

Inching my way towards 28.9 ...

Congratulations!!

Re: Comenity Wayfair CLI x 2

Anonymous — Fri, 13 Jul 2018 20:59:54 GMT

Thank you x, V, AJC, & X.

Update: went over to Comenity Overstock -- last month's reject letter with them cited EXP (and had some very low score that I'm sure was incorrect) -- and gave them a Luv Tug. Same result -- 1500 CLI, log out, clear cache, log in, repeat. So I got another 3000 with them that, unfortunately, wont report until early next month.

Re: Comenity Wayfair CLI x 2

19eighty5 — Sat, 14 Jul 2018 15:41:10 GMT

Congratulations on the CLI!

Re: Comenity Wayfair CLI x 2

Anonymous — Sat, 14 Jul 2018 18:17:26 GMT

congrats on the approval.