No go on Overstock CLI? Using 3 mo old score?

Shann0n_marie · ‎08-05-2015

Ughhhhhhhhh!

I can't get a CLI on Overstock for the life of me! So I realizedf from a denial letter that they are using my score from when I originally opened the card in May? My credit score has increased 43 pts since that time.

Is it that I have to wait for them to AR me first? Do they do every 3 mos? Because it should happen any day then. I've been getting CLI left and right from everywhere else.

2/8/19 - CH 7 BK filed
5/15/19 -Discharged
Scores at Discharge: 550 EQ 471 TU 509 EXP (Last Updated 5/11)
5/16/19 - Rebuild Started - App'ed for Credit One - Approved for $2,000 starting line! (Increased to $2200 the following month)
6/7/19 - 606 EQ 544 TU 566 EXP - New CC reported w/ $75 Balance
12/10/19 - 616 EQ 581 TU 592 EXP

8/28/2021 - 698 EQ 670 TU 674EXP

tiger_uppercut · ‎08-05-2015

@Shann0n_marie wrote:
Ughhhhhhhhh!

I can't get a CLI on Overstock for the life of me! So I realizedf from a denial letter that they are using my score from when I originally opened the card in May? My credit score has increased 43 pts since that time.

Is it that I have to wait for them to AR me first? Do they do every 3 mos? Because it should happen any day then. I've been getting CLI left and right from everywhere else.

You need to give it a bit more time. May is too new. I would try next month and you should be good to go. It took 3-4 months before the luv button worked for me, and since then I get a CLI every month like clockwork.

Anonymous · ‎08-05-2015

@tiger_uppercut wrote:
@Shann0n_marie wrote:
Ughhhhhhhhh!

I can't get a CLI on Overstock for the life of me! So I realizedf from a denial letter that they are using my score from when I originally opened the card in May? My credit score has increased 43 pts since that time.

Is it that I have to wait for them to AR me first? Do they do every 3 mos? Because it should happen any day then. I've been getting CLI left and right from everywhere else.

You need to give it a bit more time. May is too new. I would try next month and you should be good to go. It took 3-4 months before the luv button worked for me, and since then I get a CLI every month like clockwork.

I feel your pain, comenity likes me, just not very much to start. I have a VS card (7 months, no luv), Overstock ( 2 months, no luv), Modells visa (brand new, no luv)

Some people get the red carpet with cli and some just have to wait. Guess we just have to wait. LOL

Shann0n_marie · ‎08-05-2015

@tiger_uppercut wrote:
@Shann0n_marie wrote:
Ughhhhhhhhh!

I can't get a CLI on Overstock for the life of me! So I realizedf from a denial letter that they are using my score from when I originally opened the card in May? My credit score has increased 43 pts since that time.

Is it that I have to wait for them to AR me first? Do they do every 3 mos? Because it should happen any day then. I've been getting CLI left and right from everywhere else.

You need to give it a bit more time. May is too new. I would try next month and you should be good to go. It took 3-4 months before the luv button worked for me, and since then I get a CLI every month like clockwork.

Thanks! Good to know. I was just suprised when I saw the denial letter and using the credit report score from back in May... I figured they would AR each month. I have a new stmt next week and that will be my third so hopefully things start rockin' and rollin'!

2/8/19 - CH 7 BK filed
5/15/19 -Discharged
Scores at Discharge: 550 EQ 471 TU 509 EXP (Last Updated 5/11)
5/16/19 - Rebuild Started - App'ed for Credit One - Approved for $2,000 starting line! (Increased to $2200 the following month)
6/7/19 - 606 EQ 544 TU 566 EXP - New CC reported w/ $75 Balance
12/10/19 - 616 EQ 581 TU 592 EXP

8/28/2021 - 698 EQ 670 TU 674EXP

taxi818 · ‎08-05-2015

Sorry op. There is no magic. Your score really does not matter once you have the card. It will be every month once you get the ball rolling and then sometimes not even then. You have to put in the time like the rest of us. There is no magic speed button. have to wait it out. it will come. Banks really don't care what other banks are doing. As each is different in their approach. Good you are getting Cli's from everyone else. But still need to put in time on this one. Good luck.

Anonymous · ‎08-05-2015

@Shann0n_marie wrote:
Ughhhhhhhhh!

I can't get a CLI on Overstock for the life of me! So I realizedf from a denial letter that they are using my score from when I originally opened the card in May? My credit score has increased 43 pts since that time.

Is it that I have to wait for them to AR me first? Do they do every 3 mos? Because it should happen any day then. I've been getting CLI left and right from everywhere else.

I've had Overstock since April. I've been lucky enough to get an increase each month. I bought something the first month I had the card and paid it off before the statement cut and have a zero balance, and it continues to give me an increase each month. I'm hoping at month 6 I can do multiple increases like JCrew and Talbots. Did you call in or use the automated system?

Anonymous · ‎08-05-2015

@Anonymous wrote:
@tiger_uppercut wrote:
@Shann0n_marie wrote:
Ughhhhhhhhh!

I can't get a CLI on Overstock for the life of me! So I realizedf from a denial letter that they are using my score from when I originally opened the card in May? My credit score has increased 43 pts since that time.

Is it that I have to wait for them to AR me first? Do they do every 3 mos? Because it should happen any day then. I've been getting CLI left and right from everywhere else.

You need to give it a bit more time. May is too new. I would try next month and you should be good to go. It took 3-4 months before the luv button worked for me, and since then I get a CLI every month like clockwork.
I feel your pain, comenity likes me, just not very much to start. I have a VS card (7 months, no luv), Overstock ( 2 months, no luv), Modells visa (brand new, no luv)

Some people get the red carpet with cli and some just have to wait. Guess we just have to wait. LOL

I feel your pain as well. I opened several Comenity accounts last month and I read some get increases after the 31st day. No go for me! And I won't even try the Sportsmanship Visa, Modell Visa or the TR Visa. I will wait the full 6 months for them and garden like crazy!