Comenity Luv Button

[Shawndoe79]

Jcrew 550>>>>850

Grandin Road 1000 >>> 2500

Improvements 1000 >>>> 2500

Overstock 3300 >>>>3600

Tried the log out and log in thing with Jcrew, but no go.  Had these cards about 4 months, Overstock was the only one to receive immediate increase on activation, then one 30 days later.

[Anonymous]

Congratulations on your luv button increases!

A thought might be to not request all Comenity CLI's at once, but space them out about a week or two apart. It hasn't happened a lot, but in the past when a few people requested a bunch of CLI's on Comenity cards all on the same day, it must have looked weird to the Comenity system because all cards were then were shut down for verification and had to mail things in.

(It's called True ID verification and sometimes the Comenity system triggers it when a group of things happen all at once (i.e., person applies for 5 Comenity cards in the same day or for a group of CLI's in the same day). It's a fraud verification system.

Not saying this will happen to you, and this was a few months back, but it's not always a bad idea to play things a bit conservative with Comenity. Hope this helps.

[Shawndoe79]

ok thanks for the advice, I will keep that in mind

[Loquat]

Congrats on those bumps!

[waiter]

Is True ID verification different from comenity shutting the accounts.?  I think comenity closes the accounts until true ID verification is completed. Even accounts are reported closed to CRA's.

But recently I did not see True ID verifications by comenity, Instead comenity just closing the accounts for too many inquires. But True ID verification  is good sign instead of closing accounts for too many inquiries.

[Anonymous]

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@waiter wrote:

Is True ID verification different from comenity shutting the accounts.?  I think comenity closes the accounts until true ID verification is completed. Even accounts are reported closed to CRA's.

But recently I did not see True ID verifications by comenity, Instead comenity just closing the accounts for too many inquires. But True ID verification  is good sign instead of closing accounts for too many inquiries.

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They are two different things. The first one is identity verification, since they are trying to verify who you are. Comenity has conducted True ID verification in the past when it suspects fraud or something unsual going on (i.e., lots of accounts opened within a one or two day period, a number of CLI requests all within a couple of days, etc).

They normally close accounts in that situation and send a letter requesting that you mail in identity and address verification before they will reopen accounts. This is just a verification to prove you are "you" and that someone else wasn't trying to do something funny by opening up a bunch of accounts all together, or by requesting a lot of CLI's on different Comenity cards within a 2 day period. They will normally reopen once you complete what the letter asks.

waiter, it looks from a prior post of yours in 2015 that you experienced True ID verification:

http://ficoforums.myfico.com/t5/Credit-Cards/UPDATE-Comenity-All-Accounts-Closed-Blocked-Total-ID/td...

The recent account closures are a different matter. I'm not Comenity and I can't speak to the reasons for the account closures, but generally they may be related to a Comenity audit focusing on large numbers of EQ and EX inquiries, among other factors. None of us really knows the reasons for certain.These closures are usually permanent and again, the key is to wait for the letter from Comenity to see what is going on. I have not seen anyone in this second situation who has been able to get accounts reopened.

We are all awaiting updated Comenity information from myfico member GMoney that may also shed more light on the closure situations. 

In either case, the best thing seems to be proceeding conservatively with Comenity if you choose to have accounts with them. They can be unpredictable, but if you have an account closure or problem issue, best to wait for the letter from Comenity so you can have an explanation. Everyone's situation is different.

Keeping EQ and EX inquiries low and not applying for too many Comenity accounts or a whole bunch of Comenity CLI's all at the same time are probably good ideas, too.

Diversifying and keeping most of your credit with other lenders who are in the prime category and keeping minimal credit with subprime Comenity will help minimize risks.

[Scott_S]

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@Anonymous wrote:

Congratulations on your luv button increases!

A thought might be to not request all Comenity CLI's at once, but space them out about a week or two apart. It hasn't happened a lot, but in the past when a few people requested a bunch of CLI's on Comenity cards all on the same day, it must have looked weird to the Comenity system because all cards were then were shut down for verification and had to mail things in.

(It's called True ID verification and sometimes the Comenity system triggers it when a group of things happen all at once (i.e., person applies for 5 Comenity cards in the same day or for a group of CLI's in the same day). It's a fraud verification system.

Not saying this will happen to you, and this was a few months back, but it's not always a bad idea to play things a bit conservative with Comenity. Hope this helps.

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Happened to me last year, but Comenity never said another to me before they shut my cards down, so when I tried to check out in a store my card didn't work.  So I had to send all this information to them and then wait almost 2 months.  I called them 3 times and was given a different amount of time to completion each time, but in the end it was a little over 2 months and then one day I started getting emails reminding me I had available credit to use on this and that card...  So I logged in to a few and the available credit had changed from 0.00 back to what the credit line was before the TRUE ID nightmare started...

[Anonymous]

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@Scott_S wrote:

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@Anonymous wrote:

Congratulations on your luv button increases!

A thought might be to not request all Comenity CLI's at once, but space them out about a week or two apart. It hasn't happened a lot, but in the past when a few people requested a bunch of CLI's on Comenity cards all on the same day, it must have looked weird to the Comenity system because all cards were then were shut down for verification and had to mail things in.

(It's called True ID verification and sometimes the Comenity system triggers it when a group of things happen all at once (i.e., person applies for 5 Comenity cards in the same day or for a group of CLI's in the same day). It's a fraud verification system.

Not saying this will happen to you, and this was a few months back, but it's not always a bad idea to play things a bit conservative with Comenity. Hope this helps.

---

Happened to me last year, but Comenity never said another to me before they shut my cards down, so when I tried to check out in a store my card didn't work.  So I had to send all this information to them and then wait almost 2 months.  I called them 3 times and was given a different amount of time to completion each time, but in the end it was a little over 2 months and then one day I started getting emails reminding me I had available credit to use on this and that card...  So I logged in to a few and the available credit had changed from 0.00 back to what the credit line was before the TRUE ID nightmare started...

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I'm sorry, but I don't think I have a Comedy Bank card worth even half that headache.

[bk510]

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@Shawndoe79 wrote:

Jcrew 550>>>>850

Grandin Road 1000 >>> 2500

Improvements 1000 >>>> 2500

Overstock 3300 >>>>3600

Tried the log out and log in thing with Jcrew, but no go.  Had these cards about 4 months, Overstock was the only one to receive immediate increase on activation, then one 30 days later.

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Love button a SP for Overstock?

[Shawndoe79]

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@bk510 wrote:

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@Shawndoe79 wrote:

Jcrew 550>>>>850

Grandin Road 1000 >>> 2500

Improvements 1000 >>>> 2500

Overstock 3300 >>>>3600

Tried the log out and log in thing with Jcrew, but no go.  Had these cards about 4 months, Overstock was the only one to receive immediate increase on activation, then one 30 days later.

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Love button a SP for Overstock?

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yes