Recon when Comenity uses old reports for CLI?

[Anonymous]

Hi everyone! 

I recently requested a CLI with one of my Comenity accounts and was denied. I just received the letter in the mail, and it looks like they based their decision on a 5 month old credit report. I am thinkibg maybe i should try and recon this? 

My scores according to myfico are more than 100 points higher today than the report they based on.

Thanks for any and all help!

[B335is]

99.999999% of the time Comenity does not reconsider anything.  I believe their CSRs, Supervisors and Managers cannot deviate from whatever their computers spit out.

[Anonymous]

Geez, that sucks! The letter said my score was 520, and my score today is 671. Ugh, I was afraid of that.

[B335is]

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@Anonymous wrote:
Geez, that sucks! The letter said my score was 520, and my score today is 671. Ugh, I was afraid of that.

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They use an internal scoring system, I think it goes to 999 and they denied me with something like a 982 once.  You can try to call, but your time would really be better spent watching paint dry, plucking eyebrows, arguing with a dog.....you get the point.  There's no empowerment to make any decisions and they will say "you need to spend more, you only used it X number of times.....".  Comenity cards seem to have some internal mechanism that permits CLI after a certain amount of time.  Some cards are immediate like J Crew and Total Rewards.  Others make you wait 9 months, like Express.

[coffeegal]

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@Anonymous wrote:
Geez, that sucks! The letter said my score was 520, and my score today is 671. Ugh, I was afraid of that.

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I am having a similar experience.  I have received two auto increases since I opened the card a little over two years ago.  At the time I was preappoved for the card, my scores were in the mid to high 500s.  I have a perfect payment history, and for the most part PIF, or the majority of the balance.  I wasn't aware that I could request a CLI until I started reading this forum.  This December, after cleaning up my credit reports, I thought I'd give it a shot.  I was declined, and have been declined again since.  The first time, I just tossed the letter in the trash, but the last time I saw that my score was 601, and was dated 11/11.  I am hoping they'll do a SP soon as it has been three months, my scores have certainly improved, and hopefully give me a higher limit!  

[Jerry45]

The good thing, is that it's a soft pull. I have been told here, that it takes at least 9 months for a CLI.

[Anonymous]

Ugh, I just posted about this before I saw your thread. I figured there had to be an expiration period that was reasonable, but I guess not. I'm just going to rip up the cards and vote against them with my wallet.

[Anonymous]

That is so lame!  I have had these 2 cards for 13+ months, never late, use them monthly, PIF before the statement cuts. 

Comenity needs to stop being so sheisty!

[Anonymous]

FYI--

I called this number to recon:

Comenity: 800-303-1368

And they did increase my limit on the one card I asked for.  It only went from 250 to 400, but it's better than nothing!

Hope this helps!

[Anonymous]

that sucks