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Caesars Total Rewards Denial..Comenity Recon Success Rate?

fredzos
Regular Contributor

Caesars Total Rewards Denial..Comenity Recon Success Rate?

so a few weeks ago, i applied for the caesars total rewards visa through comenity bank.

got the dreaded, "your application is under review, expect a letter in 14 days".

 

as to no suprise i got the denial letter in the mail.

 

letter states that my credit score as of jan 20 was a 480.

 - inquiries did adversely affect the score

 - length of time oldest bank revolving account has been established too short

 - not enough bankcard debt experience

 - proportion of satisfactory trades too low

 

when i check my fico 8 credit report, comenity bank only did a hard pull from equifax. at the time of the pull, my fico was 688.

as of last week, it's now 714.

 

i've had 4 inquiries since august 2019, and the 4th was the comenity bank hp.

i have 3 revolvers. oldest one, i am an au on. (opened 7/2016).

my first revolver (not au) opened on 9/18.

 

utilization was at 24% at time of applying and is now at 12%.

 

according to fico report, i have no late payments, deliquencies, baddies, collection etc.

all clean

 

should i try to do a recon with comenity bank?

i've read some older threads where success rate with them is really low for recon.

 

thanks in advance for all your assistance.

 








6% Util
PERSONAL

BUSINESS




Gardening Start 9/18/2020
Message 1 of 8
7 REPLIES 7
M_Smart007
Epic Contributor

Re: Caesars Total Rewards Denial..Comenity Recon Success Rate?

Sorry for your denial OP. My opinion is whether they are recon friendly or not, you already took the HP.

I do not know anything about Comenity, but I would try.  Don't think it can hurt at this point.

 

 

Message 2 of 8
angelwingz
Valued Contributor

Re: Caesars Total Rewards Denial..Comenity Recon Success Rate?

Sorry about your denial. Like Smart said, it's worth a shot since you already took a HP.




My Cards:






Profile Type: New, Thick, 100% Clean
INQ's: EQ: 0 TU: 1 EX: 3 (last 12 mo.)
Recent Accounts: 4 (last 24 mo.)
Total CL: 28.95k Util. 3% AAoA: 1yr, 8mo.
AoOA: 2 yrs, 8 mo. AoYA: 0 mo. 100% PIF.





myFICO Member since: July 21, 2018 | Joined Community: Aug. 17, 2018 | Starting Scores: EQ: 716 TU: 738 EX: 698
Message 3 of 8
fredzos
Regular Contributor

Re: Caesars Total Rewards Denial..Comenity Recon Success Rate?

sounds good.

 

i'll make the call this week.

 

it'll be my first time doing a recon call.

 

any experiences with comenity? any tips?








6% Util
PERSONAL

BUSINESS




Gardening Start 9/18/2020
Message 4 of 8
CreditCuriosity
Moderator

Re: Caesars Total Rewards Denial..Comenity Recon Success Rate?

Comenity doesn't recon

Message 5 of 8
FinStar
Moderator

Re: Caesars Total Rewards Denial..Comenity Recon Success Rate?


@CreditCuriosity wrote:

Comenity doesn't recon


Echoing the above,  years ago, there were small successes on such outcomes.  No longer the case with UW automation if denied for credit-related reasons. 

Message 6 of 8
jazmar
Established Contributor

Re: Caesars Total Rewards Denial..Comenity Recon Success Rate?

Good luck!




Message 7 of 8
fredzos
Regular Contributor

Re: Caesars Total Rewards Denial..Comenity Recon Success Rate?

thanks for the heads up @CreditCuriosity and @FinStar

 

i'll just wait it out and try to apply later in the year once my first non au revolver hits 1 year.


 








6% Util
PERSONAL

BUSINESS




Gardening Start 9/18/2020
Message 8 of 8
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