topic Re: Comenity CLIs - What score are they using? in Credit Cards

Comenity CLIs - What score are they using?

RehabbingANDBlabbing — Fri, 20 Oct 2023 05:13:26 GMT

Hello all! I have been trying to get a CLI on my Sephora and Ulta Comenity cards for a while. I keep getting denied on both cards. They keep saying my score is 635 from Equifax, but it does not state the score model. I am also finding it hard to believe that my socre has been the same for the last 6 months in a row, but the letter does show a new date each month on the denial letters. Thanks in advance for any info or advice about this situation.

Re: Comenity CLIs - What score are they using?

nwa479 — Fri, 20 Oct 2023 09:11:47 GMT

@RehabbingANDBlabbing wrote:
Hello all! I have been trying to get a CLI on my Sephora and Ulta Comenity cards for a while. I keep getting denied on both cards. They keep saying my score is 635 from Equifax, but it does not state the score model. I am also finding it hard to believe that my socre has been the same for the last 6 months in a row, but the letter does show a new date each month on the denial letters. Thanks in advance for any info or advice about this situation.

I'm not sure what score they are using. I have one Comenity card (Amex Bread Rewards). This card started about five years ago as a Wayfair store card ( acquired with no hard pull using the shopping cart trick. Three years ago it was converted to a Comenity MasterCard. I've had three CLIs - one auto and two requested by me. Then this September it was changed to the Bread Rewards Amex. So I've never had a credit pull from them to know what score they are using.

I track all my Fico scores monthly. I'm not sure what scores you use but looking at the full FICO reports will show you every variation of the score. My guess is they are using Fico 8 or 9, but could also be the Bankcard scores. You may find one of the Equifax scores to be close to the 653.

Re: Comenity CLIs - What score are they using?

K-in-Boston — Fri, 20 Oct 2023 15:02:46 GMT

Unless something has changed in recent years, they use an internal score based on your Equifax report with a scoring range from 1-999.

Re: Comenity CLIs - What score are they using?

Beefy1212 — Fri, 20 Oct 2023 23:00:52 GMT

@K-in-Boston wrote:
Unless something has changed in recent years, they use an internal score based on your Equifax report with a scoring range from 1-999.

I am almost positive they are using VS4

When they denied me for the AAA gas card I asked them what score they used they refused to tell me, but multiple reason statements were directly word for word pulled from chase credit journey except for one relativing to average credit limit.

Re: Comenity CLIs - What score are they using?

RehabbingANDBlabbing — Sat, 21 Oct 2023 00:38:09 GMT

@Beefy1212 wrote:
@K-in-Boston wrote:
Unless something has changed in recent years, they use an internal score based on your Equifax report with a scoring range from 1-999.
I am almost positive they are using VS4

When they denied me for the AAA gas card I asked them what score they used they refused to tell me, but multiple reason statements were directly word for word pulled from chase credit journey except for one relativing to average credit limit.

On their letters, it states my score is 635 based on Equifax. The reasons listed are, "Too many revolving accounts with a high balance compared to credit limit, lack of real estate secured loan information, and balances on bankcards are too high." To be fair, I am carrying some balances, but my Equifax report is clean and 635 isn't a terrible score, IMO. But I think you're probably right about it being a Vantage score because I don't think FICO ever mentions the "lack of secured real estate loan" issue as a score reason.

Re: Comenity CLIs - What score are they using?

Beefy1212 — Sat, 21 Oct 2023 00:45:58 GMT

@RehabbingANDBlabbing wrote:
@Beefy1212 wrote:
@K-in-Boston wrote:
Unless something has changed in recent years, they use an internal score based on your Equifax report with a scoring range from 1-999.
I am almost positive they are using VS4

When they denied me for the AAA gas card I asked them what score they used they refused to tell me, but multiple reason statements were directly word for word pulled from chase credit journey except for one relativing to average credit limit.
On their letters, it states my score is 635 based on Equifax. The reasons listed are, "Too many revolving accounts with a high balance compared to credit limit, lack of real estate secured loan information, and balances on bankcards are too high." To be fair, I am carrying some balances, but my Equifax report is clean and 635 isn't a terrible score, IMO. But I think you're probably right about it being a Vantage score because I don't think FICO ever mentions the "lack of secured real estate loan" issue as a score reason.

635 may not be terrible but it isn't great.

lack of real estate loan is 100% a vantage reason statement and I am pretty certain average credit limit is vs4 because it is not a vs3 code. That is my theory anyway could still be a custom model based on vantage models... like chases internal credit score.