Gotta Love Comenity...

[JaseT]

This month marks 4 months since my last CLI on my Comenity Williams Sonoma Visa. Not sure which day exactly, so I've made a CLI request a few times. Declined each time. The letters in the mail state the same thing:

"Here are the reasons for declining your request:"

And then no reason is listed. Further into the letter, they state:

"Here are the most significant factors impacting your credit score:"

And then no reason is listed. 

Seriously? Ugh. 

[FinStar]

Are you submitting your request online or via the automated system?

The only time that I received such similar correspondence was when they couldn't access my CR (SP), or the last SP didn't get updated internally (EQ split file issues). Once EQ got fixed, then ta-da. So, not sure if anything changed with your profile or if they had issues accessing your CR (via SP).

[GApeachy]

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@JaseT wrote:

This month marks 4 months since my last CLI on my Comenity Williams Sonoma Visa. Not sure which day exactly, so I've made a CLI request a few times. Declined each time. The letters in the mail state the same thing:

"Here are the reasons for declining your request:"

And then no reason is listed. Further into the letter, they state:

"Here are the most significant factors impacting your credit score:"

And then no reason is listed. 

Seriously? Ugh. 

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hahaha.....Not sure what to say to that, just laughing.  I wish my job was that easy, like today's forecast (it will or won't rain). 

[JaseT]

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@FinStar wrote:
Are you submitting your request online or via the automated system?

The only time that I received such similar correspondence was when they couldn't access my CR (SP), or the last SP didn't get updated internally (EQ split file issues). Once EQ got fixed, then ta-da. So, not sure if anything changed with your profile or if they had issues accessing your CR (via SP).

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I've been submitting via online, like I always do. I've never had any luck with a CLI via Robolady!

[AverageJoesCredit]

Lol, now they want US to fill in our own denials. Kinda smart, true inner reflection

[M_Smart007]

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@AverageJoesCredit wrote:
Lol, now they want US to fill in our own denials. Kinda smart, true inner reflection

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You Rang?

[pinkandgrey]

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@AverageJoesCredit wrote:
Lol, now they want US to fill in our own denials. Kinda smart, true inner reflection

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“What do you think you did wrong?” Lol 

[sarge12]

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@pinkandgrey wrote:

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@AverageJoesCredit wrote:
Lol, now they want US to fill in our own denials. Kinda smart, true inner reflection

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“What do you think you did wrong?” Lol 

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What are you talking about...it's Comenity...and that is the reason for the denial...it's Comenity!!!

[sarge12]

I have always been led to believe credit decisions at Comenity involve a dart board with each section being what the decision will be. If the one making the decision is better at darts, your odds increase.

[AverageJoesCredit]

Ok Sarge, so long as its humans playing darts because we all know and understand that only at Discover do monkeys play with and throw darts and thats to determine who gets a cli and when