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7-10 day COMENITY letters

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fury1995
Valued Contributor

Re: 7-10 day COMENITY letters


@SupraTurbo2jz wrote:

I know this is old did they tell you you where approved right then or no. I called for the Total Rewards, Meijers and overstock and each time they told me it would be another 7-10 days for a decision.


If this was after you called in for verification with a reference number, I would say it's not looking good.

 

Edited to add:

 

Did you apply before or after you massive score change on Equifax? 

August 28, 2023 FICO 8

August 28, 2023 FICO BankCard 8

August 28, 2023 FICO Auto 8

citi-costco-ImgurCiti-Double-Cash
Message 11 of 14
SupraTurbo2jz
Regular Contributor

Re: 7-10 day COMENITY letters

for those it was before but I was still sitting at 668 I got the virgin america 2300 hsn 4000 buckle 900 a&e 250 gander mountain 1500 and good sams 1000 during that same run. then started to get the 7-10 message. Now since the score jump over 700 I've got the toyota and lexus mc both 2500 each. then started to get the 7-10 message again. funny thing is they never asked me real security questions just basic address name social type stuff nothing from my credit report. they just said well system has no question and we just update everything blah blah blah...I was like oooookkkk?!?!. Worried they are gonna freeze me (knocking on wood they dont) since I still have like 6-7 pending apps.

CH 7 BK discharged 05/15 goal scores 680 across the board
Current Score: TU 657 EQ 676 EX 657 FICO pull 03/20/17

 photo cabelas 3700.jpg
 photo Disney siggy 5000.png photo SWP Premier 2500.png photo virgin america 2300.jpg photo lexus 2500.png photo toyota 2500.png photo kays1500.jpg photo hsn4000.png photo GoodSam 1000.png photo buckle 900.jpg photo af 250.png photo valero.jpg photo fingerhut.jpg
Message 12 of 14
dcastillo68
Regular Contributor

Re: 7-10 day COMENITY letters


@SupraTurbo2jz wrote:

for those it was before but I was still sitting at 668 I got the virgin america 2300 hsn 4000 buckle 900 a&e 250 gander mountain 1500 and good sams 1000 during that same run. then started to get the 7-10 message. Now since the score jump over 700 I've got the toyota and lexus mc both 2500 each. then started to get the 7-10 message again. funny thing is they never asked me real security questions just basic address name social type stuff nothing from my credit report. they just said well system has no question and we just update everything blah blah blah...I was like oooookkkk?!?!. Worried they are gonna freeze me (knocking on wood they dont) since I still have like 6-7 pending apps.


Unfortunately, this has happened to me and always turned out to be a denial letter.  They didn't ask me security question and ironically the letter stated that they couldn't verify my identity.  When I called again, after receiving the denial letter and explaining that they never asked me security questions, they only told me that I just needed to reapply after 30 days.

Starting Score 7/15/15 EQ 562 | TU 557 | EXP 556 Current Score EQ 601 | TU 622 | EXP 632
Message 13 of 14
SupraTurbo2jz
Regular Contributor

Re: 7-10 day COMENITY letters

Well I dont want to take a chance on a freeze and the only 3 I was really after was the total rewards, meijer and orbitzs...the others meehhh. I will give it a year and just join the ones veggin out in the garden party.  I'm pretty happy where I'm at I actually just got a southwest premier card from chase for 2500 Smiley Surprisednot even sure how that happen since my bk is still showing on experian (they pulled eq and ex). Also got a cabelas at 4000. I'm so good chillin right now Smiley Happy.

CH 7 BK discharged 05/15 goal scores 680 across the board
Current Score: TU 657 EQ 676 EX 657 FICO pull 03/20/17

 photo cabelas 3700.jpg
 photo Disney siggy 5000.png photo SWP Premier 2500.png photo virgin america 2300.jpg photo lexus 2500.png photo toyota 2500.png photo kays1500.jpg photo hsn4000.png photo GoodSam 1000.png photo buckle 900.jpg photo af 250.png photo valero.jpg photo fingerhut.jpg
Message 14 of 14
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