Denial on COMENITY: Too many inquiries. Need help.

[Anonymous]

I applied for a department store card and was denied for too many inquiries. I found this information out by calling the back door number for Comenity. The lady on the phone was very pleasant but said that nothing can be done and that I should apply again in 30 days. Do I need to wait 30 days? Is this an internal decision of too many inquiries? I do have several Comenity cards that I've obtained this year. I am not showing ANY alerts on Equifax, Transunion, or Experian and it has been over 48 hours since the application. This was NOT a shopping cart trick application, but a regular one. I really need this card for specific reasons that I do not wish to discuss. However, I am getting pre-approval popups for other Comenity cards since the denial. Any advice and help would be greatly appreciated. Scores are in my signature, they have not changed much since mid March. Thank you.

[Anonymous]

PS - Inquiry totals on credit reports are 3 to 4 on each. Certainly not "too many" I would think!

[Anonymous]

There has to be some other reason than inquiries because that number is not too many.  Your best bet to get any type of reconsideration is to contact the EO office

[B335is]

Call the EO office and ask them to reconsider. 3-4 inq shouldn't be too many. The number is in the Backdoor Number list

[Anonymous]

That's the phone number I called and was told I had too many inquiries.

[Anonymous]

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@Anonymous wrote:
That's the phone number I called and was told I had too many inquiries.

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I'd call again because that just doesn't make sense.  Especially for Comenity.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:
That's the phone number I called and was told I had too many inquiries.

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I'd call again because that just doesn't make sense.  Especially for Comenity.

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I agree.. What number did you call?

[Anonymous]

Comenity goes only off of equifax. Your score in your signature is borderline. Your right on the hair with them. Comenity has horrible EO and recon chances. I just want to be honest because when I app'd for the total rewards visa she said "your score is off by 21 points and "WE WILL NOT RECONSIDER". LOL they are straight up. Good luck though and I would try again when you have a little bit more reported history. 3 months more and key your utilization under 15%. 

[redbeard]

I wonder if they are referring to to many inquiries internal to them.  

How many new cards have you obtained recently?

Since it looks like your credit file is newer, they could just be referring to the age of the file vs how many times they have inquired (soft pull) for you.  They may have hit an exposure risk cap, at least on the specific card you were looking for.  Different cards from them have different underwitting requirements.

What is your AAoA and how many other commenity cards do you have already?

Dan

[B335is]

Comenity EO used to reconsider denials but it sounds like they're just defaulting to whatever the computer decides just like the front line CSRs. You could ask how many inq is too many? Or tell the EO you want it escalated to a Senior Manager.