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(What I Think is an Interesting) Data Point for Comenity Backed Card CLI Requests


policebox
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The last post in this topic was posted 4102 days ago. 

 

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I obtained a J.Crew Credit Card Account pre-approval through the shopping cart method on 01/13/14. On 02/14/14 I hit the luv button requesting a CLI. I got the 7-10 day message and later received a decline letter giving me my internal Equifax credit score as of 01/13/14.

 

So I hit the luv button again on 03/23/14 and got the 7-10 day message. Today I received the decline letter and it again gave me my internal Equifax credit score as of 01/13/14.

 

So, on neither of my luv button presses was a new inquiry made to the CRA. They went back and used the same report/score from the original soft pull they made on 01/13/14. There have been several significant changes made to my Equifax report in the past two months, so the fact they do not look at a new report is disappointing.

 

Anyway, I thought I'd pass this data point along to the board.

Edited by policebox
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Some of the threads I read, people were hitting it multiple times in a day and getting increases. It sounded like they were giving them out like candy. But it's reassuring to hear that those were probably exceptions rather than the rule. Unfortunately I doubt I'll be giving either of my Comenity cards heavy use as I really can't afford to be purchasing anything beyond the bare necessities of life for the foreseeable future.

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