topic Re: COMENITY BANK in Credit Card Applications

COMENITY BANK

britt585 — Sat, 07 Dec 2019 01:45:13 GMT

Hi community....Does anyone know if commenity bank pulls TU at all?...thanks

Re: COMMENITY BANK

Anonymous — Fri, 06 Dec 2019 22:44:03 GMT

Everything I have seen says EQ HP and EX SP but there are always exceptions.

Re: COMMENITY BANK

FinStar — Fri, 06 Dec 2019 22:54:54 GMT

Based on recent DP's, EX is now trending as HP for the majors and EQ continues to be HP for the non-majors. They are known to SP either CRA (YEMV). But, as far as TU, that's fairly rare. Just be sure everything is unlocked before submitting an app OP.

Re: COMMENITY BANK

Anonymous — Fri, 06 Dec 2019 23:10:37 GMT

My WS VISA in October was HP EQ and SP EX so like everything it's YMMV since my card hasn't been shut down either despite my credit seeking behaviors.

Re: COMMENITY BANK

FinStar — Fri, 06 Dec 2019 23:47:20 GMT

@Anonymous wrote:
My WS VISA in October was HP EQ and SP EX so like everything it's YMMV since my card hasn't been shut down either despite my credit seeking behaviors.

They switched primary CRAs in November...for the majors. Alternate is still EQ.

Re: COMMENITY BANK

Anonymous — Sat, 07 Dec 2019 04:48:28 GMT

2018 3 hard pulls on EX for store cards. Overstock, J.Crew, Eddie Bauer

2019 hard pull on EQ for Famers Visa

Re: COMMENITY BANK

Aspireto850 — Sat, 07 Dec 2019 05:06:00 GMT

I applied for the Comenity Sephora VISA and Total Rewards VISA. Spoke with an Agent today who confirmed they accessed EQ first then EXP. I live in Texas.

Re: COMENITY BANK

Anonymous — Sat, 07 Dec 2019 05:32:51 GMT

I appd for a blue nile cc that's with comenity they pulled Equifax

Re: COMENITY BANK

Anonymous — Sat, 07 Dec 2019 05:40:43 GMT

These are all from the last few months. I applied for Wayfair and Jared but those SP are from pre-approval offers that popped while I was checking out. I don't want to say the shopping cart trick is alive since they already had my credit reports but they were really out there trying to tempt me.

Wayfair - HP EQ

Jared HP EX

Ikea - SP EX

Ann Taylor - SP EX

JCrew SP EQ

Venus Sp EQ

Williams Sonoma SP EQ

Express SP EQ

Re: COMENITY BANK

Aspireto850 — Sat, 07 Dec 2019 06:10:19 GMT

@rgninja,

:Were all the Soft Pulls you listed via SCT?
:Was the Williams Sonoma the store or VISA card version?
:When you say they already had your credit report what do you mean?

Thanks

Re: COMENITY BANK

calyx — Sat, 07 Dec 2019 16:31:55 GMT

Can confirm the EX HP for a major this week along with an EQ softpull.
Because I'd never heard of Comenity using TU, I didn't bother to unfreeze that one, so I wouldn't know if they decided to SP or not.

Re: COMENITY BANK

JaseT — Sat, 07 Dec 2019 16:50:33 GMT

@Anonymous wrote:
These are all from the last few months. I applied for Wayfair and Jared but those SP are from pre-approval offers that popped while I was checking out. I don't want to say the shopping cart trick is alive since they already had my credit reports but they were really out there trying to tempt me.
Wayfair - HP EQ
Jared HP EX
Ikea - SP EX
Ann Taylor - SP EX
JCrew SP EQ
Venus Sp EQ
Williams Sonoma SP EQ
Express SP EQ

Be careful with obtaining so many Comenity accounts in a short time. They may bring the hammer down!

Re: COMENITY BANK

GApeachy — Sun, 08 Dec 2019 01:01:47 GMT

@JaseT wrote:

Be careful with obtaining so many Comenity accounts in a short time. They may bring the hammer down!

+10

Re: COMENITY BANK

Anonymous — Mon, 16 Dec 2019 04:36:27 GMT

Yes, all the soft pulls were from the SCT. I applied with Jared since they were running a deal of getting 25% off by using the card resulting in a hp. Wayfair I applied instead of waiting for the sct to work. WS did get me the Visa card via the SCT.

@JaceT - Thanks for the concern. I have danced with Comenity before and its predecessor World something or the other and know their game. If they shut me down its not a big concern since I'm not in rebuilding.

Re: COMENITY BANK

Anonymous — Tue, 17 Mar 2020 00:24:58 GMT

WS for me was SP for the store card

VS was SP

Sephora I cold app (thought it was sct) and they SP and then HP EQ

Also, what the pre-approved amount via SCT was not the same as I got. It is not set in stone IMO. VS said pre-approved for $250 and they actually gave me 1k. WS was pre-approved $500 and they gave me $250 (not even enough to cover the item I was *actually* buying - annoying).

I have awful credit as you can see in the work of rebuilding after never caring about credit - cash only kinda gal. I still got approved via SCT. Cold app, well,

I know better - no way.