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Can't get a CLI due to my FA's.

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FixMyCredit1992
Established Contributor

Can't get a CLI due to my FA's.

I have fraud alerts on all 3 reports. I tried to request a limit on one of my cards issued by Commenity. It wouldn't work, thinking it was a computer glitch, I called them and they couldn't either, after speakin with a supervisor, they said:

 

We cannot process a credit line increase if you have a fraud alert.

 

All I can find online is that it says if you have a FA , creditors have to verify you before doing anything, but I can't find anything about not being able to get a CLI due to a FA. 

Farm and Fleet $3,000 (AU) Paypal Extras MC $1,500
Barclay's Apple Visa $1,200 QVC Qcard $800
Amazon Store Card $600 Discover $500
Walmart MC $400 Victoria's Secret $350
Credit One $300 Fingerhut $200
TU Fico 626



Message 1 of 3
2 REPLIES 2
Revelate
Moderator Emeritus

Re: Can't get a CLI due to my FA's.


@FixMyCredit1992 wrote:

I have fraud alerts on all 3 reports. I tried to request a limit on one of my cards issued by Commenity. It wouldn't work, thinking it was a computer glitch, I called them and they couldn't either, after speakin with a supervisor, they said:

 

We cannot process a credit line increase if you have a fraud alert.

 

All I can find online is that it says if you have a FA , creditors have to verify you before doing anything, but I can't find anything about not being able to get a CLI due to a FA. 


Fairly certain a fraud alert is a superset of a report freeze, while it may be intrinsic to Commenity I'm not terribly surprised especially if it were a HP to do a CLI as I don't know their policies.




        
Message 2 of 3
FixMyCredit1992
Established Contributor

Re: Can't get a CLI due to my FA's.

Commenity soft pulls for CLI's.

Farm and Fleet $3,000 (AU) Paypal Extras MC $1,500
Barclay's Apple Visa $1,200 QVC Qcard $800
Amazon Store Card $600 Discover $500
Walmart MC $400 Victoria's Secret $350
Credit One $300 Fingerhut $200
TU Fico 626



Message 3 of 3
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