topic Re: Comenity Bank/Credit Bureau in Credit Card Applications

Comenity Bank/Credit Bureau

AyaMai — Sun, 06 Nov 2022 02:51:19 GMT

Which credit bureau do they pull from for credit applications, I do live in Oregon.

Re: Comenity Bank/Credit Bureau

Anonymous — Sun, 06 Nov 2022 03:24:10 GMT

SoCal, Sony Visa, EX

Re: Comenity Bank/Credit Bureau

Hex — Sun, 06 Nov 2022 16:50:27 GMT

I live in MA and they pulled Equifax for both my dearly departed AKC card and my new AAA Daily Advantage Visa Signature Card.

credit_is_crack has an entire thread on who pulls what and Comenity is listed in the table:

Here's a link to his post:

https://ficoforums.myfico.com/t5/General-Credit-Topics/Which-Report-Will-They-Pull-Part-2/td-p/6379773

Re: Comenity Bank/Credit Bureau

Anonymalous — Sun, 06 Nov 2022 23:16:20 GMT

The table and thread @Hex linked are excellent, but they're missing one thing: A definition of Comenity "majors" and "minors". Based on the previous thread, majors are the VISAs or Mastercards, while the minors are the store-only cards.

Re: Comenity Bank/Credit Bureau

AyaMai — Mon, 07 Nov 2022 15:23:39 GMT

I did apply for AAA Daily Advantage Visa Signature Card & they did pull from Equifax.

Re: Comenity Bank/Credit Bureau

AyaMai — Mon, 07 Nov 2022 15:30:08 GMT

Thank you for your response, the chart helps a lot plus the conributors to your own posts gives a huge insight about credit world & expose to other well informed contributors to other members posts.

Re: Comenity Bank/Credit Bureau

shojus — Thu, 15 May 2025 01:01:11 GMT

I know this is an older thread, but just to give some data points. They pulled Equifax ONLY for me, in Michigan. Apparently they also check Innovis & LexisNexis, so if they are frozen then you'll probably get a 7-10 day message like I did. Still waiting on the letter/email. Safe to say it may be a denial because of the frozen Innovis and/or LexisNexis.