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Kay Jewelers/ Comenity

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New Contributor

Kay Jewelers/ Comenity

Anyone tried the Prequal page on Kay Jewelers?  I have not done it, just noticed it.  It does require a full SSN, so I'm curious if it would be a HP or SP.  I'm rebuilding, so not planning to app.  Just wondering more than anything.

 

 

MyFico FICO8 10/6/17: TU 578, EQ 591, EX 598
MyFico FICO9 10/6/17: TU 569, EQ 584, EX 611
MortgageFICO 10/6/17: TU 632, EQ 616, EX 590
CCT 10/2/17: TU 578, EX 598, EQ 591, FICO8 598
CK10/2/17: TU 551, EQ 548 - Starting CK 4/6/17: TU 489, EQ 492
Goal: Home Purchase
Message 1 of 8
7 REPLIES
Frequent Contributor

Re: Kay Jewelers/ Comenity

I did it for Jareds and it was a soft pull.

Message 2 of 8
New Contributor

Re: Kay Jewelers/ Comenity

Yes, I did and was prequal with ex/eq on ice. I am not gonna apply at this moment. 

EX 673
EQ 679
TU 656
BK 7 D/C December 2016.
Message 3 of 8
Valued Member

Re: Kay Jewelers/ Comenity

Yes did the prequal.  It states if prequalify then you have to do a full app.  Was prequalified and haven't seen any inq notifications, so looks to be a soft pull.

Message 4 of 8
Frequent Contributor

Re: Kay Jewelers/ Comenity


Budcny wrote:

Yes did the prequal.  It states if prequalify then you have to do a full app.  Was prequalified and haven't seen any inq notifications, so looks to be a soft pull.


Yeah, the application will be a hard pull, only the prequalification is a soft pull.

Message 5 of 8
New Member

Re: Kay Jewelers/ Comenity

I tried the pre-approval for Kay and got the green light but I did not complete the full application. Was not given a set CL that I'd be approved for and can confirm it's a soft pull.

Edit: Jared is also a soft pull with no CL given
11/18/17:
EX: 632(FICO8) TU:602(CK) EF:617(CK)

Cards: AMEX Delta Gold ($1000) TotalVisaCard ($550) Credit One Bank ($500) Capital One QS1($400) Victoria's Secret ($350) Express ($250) J.Crew($250)
Message 6 of 8
New Contributor

Re: Kay Jewelers/ Comenity

I saw the same on Jared. PreQualified but did not fill out the full app, as there was no set CL. It was a fill in the blank box to type the amount I was requesting to finance. Good to know it’s not a HP.
MyFico FICO8 10/6/17: TU 578, EQ 591, EX 598
MyFico FICO9 10/6/17: TU 569, EQ 584, EX 611
MortgageFICO 10/6/17: TU 632, EQ 616, EX 590
CCT 10/2/17: TU 578, EX 598, EQ 591, FICO8 598
CK10/2/17: TU 551, EQ 548 - Starting CK 4/6/17: TU 489, EQ 492
Goal: Home Purchase
Message 7 of 8
Established Contributor

Re: Kay Jewelers/ Comenity

I did it 1500 line pulled eq 631 fico 08
fico 11/01/01//2017 tu 634eq 631
ex 613overstock src="http://ficoforums.
Message 8 of 8