topic Re: Denied Orbitz😢 in Credit Card Applications

Denied Orbitz😢

tpdtopcop — Thu, 02 Jan 2020 03:30:36 GMT

Applied for the Orbitz card and got the 7-10 day deal. They pulled EQ in which I have a 779. I received a letter for denial due to my sagestream being bad. Why would they pull EQ then this Sagestream? I thought Comenity pulled EQ? Also I tried the pre qualify for the IKEA but they state I could not be pre qualified but could still apply for visa. I had my exp and tu locked with EQ unfrozen so more than likely they were trying to SP one of the locked ones?

Re: Denied Orbitz😢

Anonymous — Thu, 02 Jan 2020 04:57:38 GMT

For me the Ikea prequal is a soft pull on Experian. I find some lenders cannot soft pull a locked report. Comenity rejects my soft pull CLI if they need to access my reports. They don't always need to though. I have received several CLI and they use the account review soft pull from the previous period.

Re: Denied Orbitz😢

FinStar — Thu, 02 Jan 2020 04:11:31 GMT

OP, unfortunately this is typically the outcome for a variety of Comenity/CCB majors. That, plus Orbitz is one of their toughest CCs to obtain. If you freeze your CRs in the hopes of gaming their standard operating process, it will likely end up failing. If applying for any of their cards, leave CRs thawed.

So, yes they usually pull EX or EQ as primary and SP either or as secondary + Sagestream.

Re: Denied Orbitz😢

tpdtopcop — Thu, 02 Jan 2020 17:55:07 GMT

Thanks for reply. I did not know cominity pulled a report plus sage stream

Re: Denied Orbitz😢

tpdtopcop — Thu, 02 Jan 2020 17:56:58 GMT

Any Comenity CC's that pull Eq with no SP or sagestream secondary?

Re: Denied Orbitz😢

Anonymous — Thu, 02 Jan 2020 19:14:06 GMT

Thanks for the information. I have my sagestream frozen so I guess I’ll pass on this one. Too bad since I have zero inquiries on EQ.

Re: Denied Orbitz😢

CreditCuriosity — Thu, 02 Jan 2020 19:45:04 GMT

Most likely denial is they HP either Exp or EQ and then SP either Exp or EQ being the one they didn't HP... Since you had Exp frozen most likely they went to look at sagestream, but whatever is bad on that got you.. I have all 3rd part CRAs on ice and never had a problem being Sagestream, ARS/IDA, etc... I always leave Eq/Exp/TU though unfrozen during app process and never been denied a card for sagestream and have had many comenity cards in the past and just currently one major being the WS Visa signature. If you ever go for them in the future leave all three of your majors at least unfroozen as mentioned they will hp one and sp another that is how alliance data works....

Curious what is bad on your Sagestream report???

Re: Denied Orbitz😢

tpdtopcop — Thu, 02 Jan 2020 21:49:41 GMT

Have a BK 13 still showing!

Re: Denied Orbitz😢

CreditCuriosity — Thu, 02 Jan 2020 22:28:04 GMT

Comenity isnt known to give out majors either with bks persay

Re: Denied Orbitz😢

Anonymous — Thu, 02 Jan 2020 22:37:12 GMT

@tpdtopcop wrote:
Have a BK 13 still showing!

When was your BK? Wondering how long they are reported on sagestream.

Re: Denied Orbitz😢

cf2701 — Fri, 03 Jan 2020 03:08:10 GMT

Just to provide input, I can confirm its possible to get a Comenity Visa with BK on record as I obtained a Sportsmans Guide Visa with a BK on my report.

It's a little weird, because it was actually a BK7 shown as discharged about 3 years ago. I don't actually have a BK 7 as mine was a BK 13, but somehow it got reported incorrectly to EQ. I haven't bothered changing it because its my highest score, over 700. Was around 660 when I was approved for Sportsmans Guide Visa and got a $2,500SL, it has grown quickly to $7,400.

That being said, I've read a lot on how Orbitz is it's own beast and has totally different criteria. So, I wouldn't draw too many comparisons. Just wanted to provide my experience with a Comenity Visa.

Re: Denied Orbitz😢

tpdtopcop — Fri, 03 Jan 2020 19:55:13 GMT

So the sportsman visa pulss EQ? Thanks for reply

Re: Denied Orbitz😢

FinStar — Fri, 03 Jan 2020 20:11:42 GMT

@tpdtopcop wrote:
So the sportsman visa pulss EQ? Thanks for reply

They can pull EQ or EX for Sportsman Guide and SP either CR. Recent approval (and denial) threads confirm either or. Make sure your CRs are thawed before you apply.

Re: Denied Orbitz😢

cf2701 — Fri, 03 Jan 2020 21:00:46 GMT

I can confirm EQ for me.

Re: Denied Orbitz😢

tpdtopcop — Fri, 03 Jan 2020 21:16:40 GMT

SP or HP

Re: Denied Orbitz😢

tpdtopcop — Fri, 03 Jan 2020 21:16:59 GMT

You have the link?

Re: Denied Orbitz😢

cf2701 — Fri, 03 Jan 2020 21:41:16 GMT

If you are asking me, it was a HP.

Link for what? The card? If so: https://www.sportsmansguide.com/club/creditcardapply

I can say, of all the cards I have, this is one that is least useful to me. Some have reported they get awesome balance transfer offers with Comenity Visa cards, but no such for me. Not that I care that much, I don't tend to carry balances and if I do, its for only a couple months, usually on a card that already has 0% at the time.

Not that it's a bad card, and I was super grateful for the approval at the time, it was a big deal to me. So, in that regard, I like the card.

Re: Denied Orbitz😢

CreditCuriosity — Sat, 04 Jan 2020 21:04:15 GMT

AS @FinStar eluded two and i did earlier have all CRAs unfroozen as they HP either EQ or EXP and soft pull the other so unless you want to waste a HP have all unfroozen or will be an automatic denial with no course of recon..