I'm not sure if you posted your DPs in another thread, but they would help here.
For the Overstock card, you could try calling Robo Lady and requesting a credit line increase. Sometimes it works right away, other times you have to wait for your history with them to build a bit. Usually, this results in a SP. However, lately, Comenity has been very sporadic about their credit pulls. The benefit of using Robo Lady, as of now, is that she will tell you if the request will require a credit check or not. You have the option to cancel if it is.
As far as the Wayfair, the DPs might help someone give you better advice or guidance.
Congratulations on your approval by the way!
Hi --
Yeah, I need to figure out how to put those in my signature or profile or whatever. 
But here they are, before the addition of the Overstock and Wayfair applications.
Current Score: TU (Credit Karma): 670; EQ (Credit Karma): 670; EX (Experian): 660
Baddies: 2 or 3. Also, a BK approaching a decade ago, soon to fall off.
AAoA: Between 8 and 9 years.
INQ's: 6 to 8 on each profile; will be a year or so until they start to fall away.
UTI: 5%.
Positive payment history on my cards; no lates. My installment loans (student loans) are in good standing -- some old negative history from way back is going to fall off over the next year.
My stable of cards: NFCU nRewards for 2000 (just converted to GoRewards, which is on the way); Discover IT for 1500 (recently unsecured and CLI increased from 200); First Progress secured for 200. Just applied for and was approved for Amex Cash Magnet for 1000, Ollo Mastercard for 1000 and Target REDCard (though, on this card, I don't know how much for yet, waiting for it to arrive).
Thoughts?
More developments --
So, Comenity/Overstock pulled my Experian report yesterday. Experian has been the most inquired report for me lately for the cards that I would like to have and use (kind of annoying, but oh well). EX report has, therefore, taken the brunt of the inqs. It needs to cool, for sure.
This morning, during the review that Comenity/Wayfair appears to be performing in consideration of me for credit, they did an HP on me. I thought it might have only turned out to cause a SP, as they didn't ask for my entire SS# for either the pre-qual tool through Wayfair nor the application. But I'm not surprised it generated an HP, I guess.
The SCT concept, as well as pre-quals/apps that only use the last four of your SS#, aren't universally assured not to generate SP's versus HP's, it seems. Which is cool; lesson learned. I still want the Overstock and Wayfair cards, so HP's or SP's are sort of moot -- just would have been nice to avoid.
What is interesting about the Wayfair HP is this: Instead of going through Experian, Comenity/Wayfair pulled Equifax. My EQ has had the least inquiries on it, versus my TU -- and much less than my Experian. But Comenity pulls from different bureaus? Interesting. Is it by retailer that they do this? Or just random?
Hope this results in an approval, as I like Wayfair. Fingers crossed!
@Anonymous wrote:Well, your TU & EQ scores look good enough to get most cards you'll think to apply for. EX is borderline, so research carefully before plunging.
But I'm curious how you come to recently graduate from secured cards with decent enough scores. Did your scores recently spike up? And your profile seems off: AAoA of "8-9 years" but all your CCs are small and recent?
But are you done applying for awhile or have you acquired the "thirst"?
Yeah, after using a better tool, I realize those two reports are in pretty good shape. But the EXP report has taken a beating because of the inquiries. It seems the credit extenders like to go to Experian -- or at least most of who I've been applying with. So, I probably will focus on maintaining my EXP report for the time being.
As for graduating cards -- not sure what you mean exactly, but I'll answer what I think you're asking. The secured cards that I selected to start out with graduated me on their own. This is part of why I selected them initially. I started out with one from my credit union; it graduated on its own (so fortunate that I can bank with a great credit union). I decided then to add two more secured cards -- one of which was Discover. That graduated in the timeframe they generally follow -- 7 months. The other secured doesn't graduate and I'm making decisions regarding that one.
I didn't really intend for them to work out so successfully for me. I just did handled them as I thought a responsible person should, used them in line with my needs and circumstances, and followed advice I found online (mostly here, honestly! ) But the banks seemed to appreciate what I was doing with my credit while holding the secured cards -- which wasn't anything special, I think. All I did was keep my UTL low, always paid on time (or early or twice), kept on top of my bills and other financial responsibilities; and otherwise, also, just continued to focus on the care and maintenance of my credit reports.
I mostly ignored my scores and just followed my plan. Looking back now, though: Nope, they didn't spike -- it's been a steady improvement. I few small leaps here or there, but nothing major.
Not sure what to say about the AAoA, except that staying on top of my responsibilities has allowed the other items on my reports (besides credit cards) to report as current and in good standing. And those are older. As for my cards being recent: I did not apply for credit for a long time. It just wasn't something I considered a financial necessity previously -- and I still don't, really. I view it as more of a tool (perhaps even a privilege). But I decided to make a change and start to incorporate credit into my financial planning now and in the future, to use for myself, enhance my life and get me closer to my goals. So, responsible addition of credit made sense. And that's why my profile looks the way it does.
As for the "thirst?" LOL. No, that's not really my MO. If I can't strongly justify adding a credit instrument to my portfolio, I won't do it. It's just not in my nature. "Less is more", is my motto. And I like being methodical, pragmatic, thoughtful and prepared -- especially when it comes to credit and finances.
Does that sort of answer your query?
@FinStar wrote:
OP, Comenity/Comenity Capital Bank (depending on the issuer of the product) will HP either EQ or EX. Then, if additional processing, review (or the infamous internal UW audit) is needed, they'll SP either of the two subsequent to the initial HP. All the while, they will likely also use SageStream as an alternate source for verifying additional information.
IME, given a variety of store and major Comenity bankcards, I have seen these CR variations. Worth noting that the outcome can also vary depending on whether one applies (or accepts a pre-approved offer) online vs. in-store/POS.
Ah...thank you for the input here. Cool cool. I'm fine with whatever Comenity decides, I suppose. I do like Wayfair, though; I think I could put their credit to good use. So, fingers crossed!