Reply
Frequent Contributor
obageegee
Posts: 264
Registered: ‎09-30-2012

Comenity Bank?

Anyone have any experience with this? They issue the Sportsman's Guide Visa, never heard of them




Starting Score: 530 - 2/12
Current Score: EX - 720 EQ - 714 TU-690 WM-720
App free since 5/7/2014
Established Contributor
rtw
Posts: 797
Registered: ‎05-01-2012

Re: Comenity Bank?

Just know that's the new name of WFNN that issues Victoria's Secret, J. Crew among others. Name change just switched on my CR.


Starting Score: EX: 575 (PSECU 5/2/12) TU: 582 (3/6/12) EQ: 664 (4/27/12)
Current Score: EX: 699 (PSECU 06/04/14) 698 (my FICO 07/08/14) TU: 693(07/08/14) EQ: 675 (07/08/14)
Goal Score: 720
20K PSECU 7/12 | 12K USAA 9/12 | 11K BOA 1-2-3 9/12 | 9K Citi HHonors 9/12 | 8.5K Citi AAdvantage 5/08 | 5K Chase Sapphire Pref. 9/12 | 3.8K Barclays USAir 7/12 | 6K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13
Frequent Contributor
obageegee
Posts: 264
Registered: ‎09-30-2012

Re: Comenity Bank?

Cool, I'm in gardening mode right now but plotting my next steps




Starting Score: 530 - 2/12
Current Score: EX - 720 EQ - 714 TU-690 WM-720
App free since 5/7/2014
Valued Contributor
bribro
Posts: 1,367
Registered: ‎04-20-2012

Re: Comenity Bank?

They also handle the credit card for Express (clothing store).

TU FICO: 800 (2/1/14) | CK Score: 802 (2/1/14) | CS Score: 805 (2/1/14)

J.P. Morgan Palladium ($250k) | AmEx Platinum (NPSL) | AmEx SPG Personal/Business ($50k/$50k) | Citi Executive AAdvantage WEMC ($50k) | Citi Dividend WEMC ($50k) | Chase Sapphire Preferred VS ($50k) | Chase Ink Bold WEMC ($50k Flex) | Chase Ink Plus WEMC ($25k) | Chase Freedom VS ($25k) | Chase Freedom WMC ($25k) | Chase MileagePlus Explorer ($25k) | Chase Southwest RR Plus Business/Personal ($15k/$15k) | Barclays US Airways ($25k) | Barclays Hawaiian Airlines ($25k) | BofA Alaska Airlines ($10k) | Lexus Financial Services ($30k) | Mercedes-Benz Financial Services ($50k)
Established Contributor
rtw
Posts: 797
Registered: ‎05-01-2012

Re: Comenity Bank?

The Limited also.


Starting Score: EX: 575 (PSECU 5/2/12) TU: 582 (3/6/12) EQ: 664 (4/27/12)
Current Score: EX: 699 (PSECU 06/04/14) 698 (my FICO 07/08/14) TU: 693(07/08/14) EQ: 675 (07/08/14)
Goal Score: 720
20K PSECU 7/12 | 12K USAA 9/12 | 11K BOA 1-2-3 9/12 | 9K Citi HHonors 9/12 | 8.5K Citi AAdvantage 5/08 | 5K Chase Sapphire Pref. 9/12 | 3.8K Barclays USAir 7/12 | 6K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13
Frequent Contributor
wreith
Posts: 452
Registered: ‎06-13-2012

Re: Comenity Bank?

They handle my HSN card.

03/10/2014 Walmart TU 724
09/07/2013 MyFico EQ 684
03/10/2014 USAA FAKO EX 728, EQ 728, TU 728
Discover It $1700, USAA Cash Rewards AMEX $11K, USAA Rewards Platinum MC $11K, CareCredit $10.2K, Chase Freedom $1900, Walmart $4500, Lowes $9800, QVC $1200, HSN $2050, Macys Red Star Store $2900, Paypal smart connect $4022, VS Angelcard $1200, Amazon Store $2500, BCE $1K, Sam's Club Discover $8500, Home Depot $7200, FNBO AMEX $5300
Frequent Contributor
WhiteCollar
Posts: 309
Registered: ‎04-07-2012

Re: Comenity Bank?

Victoria's Secret too. No issues thus far. 

Frequent Contributor
obageegee
Posts: 264
Registered: ‎09-30-2012

Re: Comenity Bank?

I don't know if this is going to be a good intermediate step, I think I'll just garden for a while and wait till I get all 3 close to 700 again




Starting Score: 530 - 2/12
Current Score: EX - 720 EQ - 714 TU-690 WM-720
App free since 5/7/2014
New Contributor
pinoyscorpion951
Posts: 60
Registered: ‎09-03-2012

Re: Comenity Bank?

Comenity Bank used to be called World Financial Network National Bank. I went on an app spree in august and got apporved for 4 of their cards using the checkout method. Soft pull on all the apps. Approved for Victorias Secret, J. Crew, Buckle and One Stop Plus. Wound up regretting it though because although they were all soft pulls, my AAoA took a dip. Our household shops at all of them except for One Stop. I shop and then PIF. I'm in gardening mode until the end of 2013.

New Contributor
ready13
Posts: 59
Registered: ‎08-07-2012

Re: Comenity Bank?

Well i know that Comenity Bank was formerly known as World Financial Bank who did accounts with a lot of retail companies. I believe they just switched over about 1-2 months ago and have updated their website, which looks really cool now its way more up to date has a lot of web based features for the accounts managed through them. Anyhow hope that helped.:smileywink:


myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+