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Comenity HP for CLI :(

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Regular Contributor

Comenity HP for CLI :(

Feeling a little down right now. Yesterday I got a $1600 CLI on my Wayfair card, today I got an inquiry alert for Equifax. Was in the garden for two months before this. Now back to day one Smiley Sad

BK7 DC 1/2/2018


Starting Score: 512 Experian Fico 1/7/2018
Current Score: EXP 639 // TU 638 // EQ 650
Goal Score: 680+ across the board by 2020
Message 1 of 7
6 REPLIES 6
Regular Contributor

Re: Comenity HP for CLI :(


@CashBackQueen wrote:

Feeling a little down right now. Yesterday I got a $1600 CLI on my Wayfair card, today I got an inquiry alert for Equifax. Was in the garden for two months before this. Now back to day one Smiley Sad


Darn, I just got a CLI on my Wayfair card today, but it was for $800.  I really don't want a HP for that...


Starting 5/2018

Current 3/2019
Message 2 of 7
Regular Contributor

Re: Comenity HP for CLI :(

I keep my reports frozen to avoid that. Comenity has been hp'ing for CLI lately.



Message 3 of 7
Regular Contributor

Re: Comenity HP for CLI :(


@pursell1911 wrote:

@CashBackQueen wrote:

Feeling a little down right now. Yesterday I got a $1600 CLI on my Wayfair card, today I got an inquiry alert for Equifax. Was in the garden for two months before this. Now back to day one Smiley Sad


Darn, I just got a CLI on my Wayfair card today, but it was for $800.  I really don't want a HP for that...


I got 800 at first, then went back (as advised by another member, Vu) and got another 800. It was a single hard pull, I guess because they were done the same day. You may as well go for a double dip while you can.

BK7 DC 1/2/2018


Starting Score: 512 Experian Fico 1/7/2018
Current Score: EXP 639 // TU 638 // EQ 650
Goal Score: 680+ across the board by 2020
Message 4 of 7
Senior Contributor

Re: Comenity HP for CLI :(

It's well known now that Comenity HP's for the SCT. And now more and more even requested CLI's are starting to become HP's. Its not set in stone. Yet. But its pretty darn close now too.  Sorry about the HP. It fades quick and bye bye after 1 year from FICO.





My posts are JMHO. I DO NOT claim to be a FICO expert. Just sharing my experiences from rebuild to recovery after BK DC. My siggy is not to brag at all. Just to show fellow members what can be accomplished when you do it right and play the FICO Credit Game.
Message 5 of 7
Community Leader
Mega Contributor

Re: Comenity HP for CLI :(

Always expect a HP and be pleasantly surprised if you dont get one.
Some issuers will let you know in advance if HP is needed, so pay close attention to language before requesting.
In any case, you got a CLI from it, so it wasn't a total waste
EX 759 EQ 774 TU 753


Message 6 of 7
Contributor

Re: Comenity HP for CLI :(

Isn't there a robo-lady to call and ask with a SP or a CSR?
Someone said they called Vic Sec, when it asked if he was calling for a CLI he said "no" but he got one anyway and called back several times more, letting the robo-lady ask him again and again, and everytime he declined, he was given another CLI.
Is that how Comenity works now? 😳
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