The Experian link was a good read. What I find most interesting is how they market their services to poetential clients. I don't believe for a second Comenity (or any large banks) subscribe to it. No way Comenity is using anyone elses data analytics to determine who of their cardholders is likely to default or "bust out" . they have their own historical data. I don't beleive Comenity would trust a third party to help them determine who have credit lines and how much. A bank as large as Comenity would have their own internal team of forensic accountants and risk managers to safeguard their/our money.
Their own algorithms may have modeling that is similar.. but their risk intentions are pretty clear. That's why so many rebuilders get approved.
There is something else to these closures that we just don't know yet.
I hope so, I need my retirment money back 
LOL, that wont even last me few months
@Anonymous wrote:Comenity just lost 64 million dollars. They're taking out on you.
http://www.law360.com/articles/700389/comenity-bank-hit-with-64m-fdic-credit-card-add-on-penalty
8 million more via robo call lawsuit.
25 million more in fines for PayPal credit
Sure, but the last thing any business does when faced with finincial issues is drive awa y potential business and anger their customers.
These cards are "branded". There are reputation issues that play into anyhthing that Alliance Data may "do" with the accounts.
I'm certain there are some agreements between the Brand and the Bank that also come into play.
They won't just close accounts for no reason that isn't predermined by the issuer and the brand such as having NO use for the card ie. no usage.
When someone has a problem with the financne arm of a particular company, that usually influence that consumer's opinon of the "brand"
For example:
"I won't shop at Walmart anymore because they closed my Walmart account for no reason and won't tell me why. They must not like me so I won't shop there and give them my business." One doesn't have to do with the other but.. to that consumer it does.
Also..
Every bank is hit with lawsuits and possibly fed penalties every year.
Synchrony was ordered by the CFPB to pay $225 million just June last year.
The $8 million for Paypal was last year.
These aren't connected with why this thread was started.
No one knows, yet.
These kind of links and statements just scare people
Especially the ones who use Comenity to rebuild.
Just an update
Have no received anything yet. Called and they gave me the same record. BUT here's the good news
They must be out of their mind