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Comenity CLI denials for newer accounts

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Anonymous
Not applicable

Re: Comenity CLI denials for newer accounts

Mine have been soft pulls as well. I guess I should’ve said The general rule of thumb is 9 months. I find getting a cli with Commenity is like pulling teeth regardless of how long I’ve had my cards, my credit score etc.
Message 31 of 46
Anonymous
Not applicable

Re: Comenity CLI denials for newer accounts


@Anonymous wrote:
Mine have been soft pulls as well. I guess I should’ve said The general rule of thumb is 9 months. I find getting a cli with Commenity is like pulling teeth regardless of how long I’ve had my cards, my credit score etc.

I've never before heard of this "general rule of thumb." I have read plenty of accounts to the contrary, including in this thread. As always, YMMV.

Message 32 of 46
Anonymous
Not applicable

Re: Comenity CLI denials for newer accounts

Just because you’ve never heard of it does that make it not true? ... the general rule of thumb is 9 months. I’d appreciate if you didn’t reply again. I’m not trying to have a debate, just trying to help someone out. The bottoms line was to try getting a cli through that number
Message 33 of 46
rprisco
Regular Contributor

Re: Comenity CLI denials for newer accounts

Since I got an email there was activity on this thread, thought I'd update, my cli have continued almost monthly and now sit at 24,100. I was about mid 8k when I responded to this question.

Btw, I've heard 9 mos before cli shared here now and then, but have not experienced same. I've gotten cli on most sct cards almost immediately following activation. I think it is profile specific.
Current Scores as of 8/18/17 all FICO 8 EQ: 695 EX: 673 *fico2 699 TU:645 bio has more.
Message 34 of 46
Anonymous
Not applicable

Re: Comenity CLI denials for newer accounts

Want to remind every one of the forum rules for posting. There certainly can be disagreements but all posts must conform to the guidelines outlined here Friendly, Supportive and Respectful. Thank you for your understanding and cooperation.

Message 35 of 46
SweetCreditObsession
Valued Contributor

Re: Comenity CLI denials for newer accounts

I've read on here that the first Overstock cli is usually around four months. I got my first cli at 6mos but that was 2 years ago.


(+102) | (+106) | (+151)
| TU Fico 9: ? | Exp Fico 9: ? | EQ Fico 9: ?| EQ Fico 8 Bankcard: TBA

Initial Goal: Min. 740 w/all CRAs - Met
Interim Goal: 780 w/all CRAs - Met
Current Goal(s): Min. 800 w/all CRAs
Gardening Until: ??/??/202?| Last App: 10/20/2023





Message 36 of 46
SweetCreditObsession
Valued Contributor

Re: Comenity CLI denials for newer accounts

Always try to double dip...do online and the call automated system aka robolady.


(+102) | (+106) | (+151)
| TU Fico 9: ? | Exp Fico 9: ? | EQ Fico 9: ?| EQ Fico 8 Bankcard: TBA

Initial Goal: Min. 740 w/all CRAs - Met
Interim Goal: 780 w/all CRAs - Met
Current Goal(s): Min. 800 w/all CRAs
Gardening Until: ??/??/202?| Last App: 10/20/2023





Message 37 of 46
SweetCreditObsession
Valued Contributor

Re: Comenity CLI denials for newer accounts

Does recon line result in a HP?


(+102) | (+106) | (+151)
| TU Fico 9: ? | Exp Fico 9: ? | EQ Fico 9: ?| EQ Fico 8 Bankcard: TBA

Initial Goal: Min. 740 w/all CRAs - Met
Interim Goal: 780 w/all CRAs - Met
Current Goal(s): Min. 800 w/all CRAs
Gardening Until: ??/??/202?| Last App: 10/20/2023





Message 38 of 46
Anonymous
Not applicable

Re: Comenity CLI denials for newer accounts


@SweetCreditObsession wrote:
I've read on here that the first Overstock cli is usually around four months. I got my first cli at 6mos but that was 2 years ago.

I got my 1st CLI w/OS at 50 days, but I hadn't asked sooner. I've read (here) of others who got their's sooner. YMMV.

Message 39 of 46
SweetCreditObsession
Valued Contributor

Re: Comenity CLI denials for newer accounts

I agree. I think your profile plays a big part.


(+102) | (+106) | (+151)
| TU Fico 9: ? | Exp Fico 9: ? | EQ Fico 9: ?| EQ Fico 8 Bankcard: TBA

Initial Goal: Min. 740 w/all CRAs - Met
Interim Goal: 780 w/all CRAs - Met
Current Goal(s): Min. 800 w/all CRAs
Gardening Until: ??/??/202?| Last App: 10/20/2023





Message 40 of 46
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