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I dont think I agree that it is luck of the draw. I tried at multiple shops, and no luck. I tried both addresses on my CR. I got frustrated thinking maybe I had some setting on mozilla blocking it, so I tried on my mac. Still no luck. I put in my I backed up to billing info and entered my gf's info. Boom. popped right up. My score is higher than hers, but she already has a VS card.
Either shopping cart trick hates me, or it loves people that already have a Comenity card.
It might be luck:
I had a NY&Company card and Express in the early 1990's; both show "paid/never late" on my CR. Recently, WFFNB/Comenity soft-pulled my EX report and I STILL cannot get the pop-up, my EX score is 628, EQ is 612.
Must be luck...