What does this mean on CLI denial?

[pizza1]

So, the last few times Ive tried for a CLI on my Comenity cards, Ive received this response in the SP "letter".....

"Unfortunately, because your credit history with other credit grantors could not be obtained, we are unwilling to increase the credit limit on your account at this time". 

WTH does that mean? Im confused because everyone is reporting, and Im showing "payment history" on every single CC I have every month. 

Thoughts?

[FocusedAndDetermined]

Are any of your reports frozen?

[Ghoshida]

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@pizza1 wrote:

So, the last few times Ive tried for a CLI on my Comenity cards, Ive received this response in the SP "letter".....

"Unfortunately, because your credit history with other credit grantors could not be obtained, we are unwilling to increase the credit limit on your account at this time". 

WTH does that mean? Im confused because everyone is reporting, and Im showing "payment history" on every single CC I have every month. 

Thoughts?

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Are your reports frozen? Maybe Comenity does a hard pull (or tried doing a hard pull) and wasn't successful? You can check with them if that's the new policy!

Any info that changed on your CRs? Any mistakes that should be cleared? 

[Ghoshida]

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@FocusedAndDetermined wrote:

Are any of your reports frozen?

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My thought exactly. However if the CLIs are SP then an existing lender shouldn't have a problem.

[pizza1]

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@FocusedAndDetermined wrote:

Are any of your reports frozen?

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no, they should be though, LOL  

Imbeginning to wonder if I have a split file..  But, Chase was sure able to to HP me for the SW denial on EQ mo doubt, my worst of them all

[Anonymous]

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@pizza1 wrote:

So, the last few times Ive tried for a CLI on my Comenity cards, Ive received this response in the SP "letter".....

"Unfortunately, because your credit history with other credit grantors could not be obtained, we are unwilling to increase the credit limit on your account at this time". 

WTH does that mean? Im confused because everyone is reporting, and Im showing "payment history" on every single CC I have every month. 

Thoughts?

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They listed that as a reason for my CLI denial as well.  I think they reach into a jar and pull out the first reason that they can find.  Kind of like a fortune cookie for denials.  They have to say something.

[pizza1]

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@Ghoshida wrote:

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@pizza1 wrote:

So, the last few times Ive tried for a CLI on my Comenity cards, Ive received this response in the SP "letter".....

"Unfortunately, because your credit history with other credit grantors could not be obtained, we are unwilling to increase the credit limit on your account at this time". 

WTH does that mean? Im confused because everyone is reporting, and Im showing "payment history" on every single CC I have every month. 

Thoughts?

---

Are your reports frozen? Maybe Comenity does a hard pull (or tried doing a hard pull) and wasn't successful? You can check with them if that's the new policy!

Any info that changed on your CRs? Any mistakes that should be cleared? 

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nope, nothing has changed, all my negs, and derogs, and BK are showing, and all my new accounts and 83 inquiirees, LOL...I dont see what the problem is...

[Anonymous]

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@FocusedAndDetermined wrote:

Are any of your reports frozen?

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This, or maybe Comenity is using an old SP from before all current creditors extended/reported credit?

I'd imagine that's the dark side of SP CLI's - no telling how old the pull is, and you can't really argue for the most up-to-date pull since it's likely considered a courtesy and the pull itself is not impacting your credit profile.

[Ghoshida]

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@pizza1 wrote:

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@Ghoshida wrote:

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@pizza1 wrote:

So, the last few times Ive tried for a CLI on my Comenity cards, Ive received this response in the SP "letter".....

"Unfortunately, because your credit history with other credit grantors could not be obtained, we are unwilling to increase the credit limit on your account at this time". 

WTH does that mean? Im confused because everyone is reporting, and Im showing "payment history" on every single CC I have every month. 

Thoughts?

---

Are your reports frozen? Maybe Comenity does a hard pull (or tried doing a hard pull) and wasn't successful? You can check with them if that's the new policy!

Any info that changed on your CRs? Any mistakes that should be cleared? 

---

nope, nothing has changed, all my negs, and derogs, and BK are showing, and all my new accounts and 83 inquiirees, LOL...I dont see what the problem is...

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Maybe they saw 83 inquiries and thought, well that must not be right. Hey pizza, we can't find your credit report !

[FocusedAndDetermined]

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@pizza1 wrote:

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@FocusedAndDetermined wrote:

Are any of your reports frozen?

---

no, they should be though, LOL  

Imbeginning to wonder if I have a split file..  But, Chase was sure able to to HP me for the SW denial on EQ mo doubt, my worst of them all

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Hmmm, that is strange.  I have no clue what it means.  Perhaps they are "testing" new reasons for denial.: