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Gotta Love Comenity...

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Established Contributor

Gotta Love Comenity...

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. Smiley Mad

 


BK7 Filed 12/16, Discharged 3/17 *** Current Revolving CL Total $122.1k *** PIF/AZEO
6/19 FICO SCORES:
On My Radar Cards: Nothing ATM
Future Goal Cards: US Bank Cash +, Citi Double Cash, Discover It, BoA Cash Rewards, USAA Cashback Rewards Plus Amex
Message 1 of 29
28 REPLIES 28
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Moderator

Re: Gotta Love Comenity...

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).
Message 2 of 29
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Senior Contributor

Re: Gotta Love Comenity...


@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. Smiley Mad

 


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). 

"My Take Home Pay Won't Take Me Home"
Scores updated 6/02/20: Exp 736, TU 757, EQ 744
Message 3 of 29
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Established Contributor

Re: Gotta Love Comenity...


@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).

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


BK7 Filed 12/16, Discharged 3/17 *** Current Revolving CL Total $122.1k *** PIF/AZEO
6/19 FICO SCORES:
On My Radar Cards: Nothing ATM
Future Goal Cards: US Bank Cash +, Citi Double Cash, Discover It, BoA Cash Rewards, USAA Cashback Rewards Plus Amex
Message 4 of 29
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Community Leader
Mega Contributor

Re: Gotta Love Comenity...

Lol, now they want US to fill in our own denialsSmiley Wink. Kinda smart, true inner reflectionSmiley Happy
Message 5 of 29
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Mega Contributor

Re: Gotta Love Comenity...


@AverageJoesCredit wrote:
Lol, now they want US to fill in our own denialsSmiley Wink. Kinda smart, true inner reflectionSmiley Happy

You Rang?

Message 6 of 29
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Community Leader
Senior Contributor

Re: Gotta Love Comenity...


@AverageJoesCredit wrote:
Lol, now they want US to fill in our own denialsSmiley Wink. Kinda smart, true inner reflectionSmiley Happy

“What do you think you did wrong?” Lol 

Discover It: 19.7k
Amex ED: 18k
Citi DC: 6.7k
Citi Rewards+: 3.6k
Bank Americard: 2.8k
~~~~~~~~~~~~~~~~~~
Once you go Berner, you never go back.
Message 7 of 29
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Valued Contributor

Re: Gotta Love Comenity...


@pinkandgrey wrote:

@AverageJoesCredit wrote:
Lol, now they want US to fill in our own denialsSmiley Wink. Kinda smart, true inner reflectionSmiley Happy

“What do you think you did wrong?” Lol 


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

TU fico08=822 05/11/20
EX fico08=819 05/12/20
EQ fico08=831 05/05/20
EX fico09=830 05/02/20
EQ fico bankcard08=858 04/21/20
EQ NG1 fico=802 05/06/20
EQ Resilience index score=59 04/26/20
Message 8 of 29
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Valued Contributor

Re: Gotta Love Comenity...

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.

TU fico08=822 05/11/20
EX fico08=819 05/12/20
EQ fico08=831 05/05/20
EX fico09=830 05/02/20
EQ fico bankcard08=858 04/21/20
EQ NG1 fico=802 05/06/20
EQ Resilience index score=59 04/26/20
Message 9 of 29
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Community Leader
Mega Contributor

Re: Gotta Love Comenity...

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 whenSmiley Wink
Message 10 of 29
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