topic Re: No luck with Comenity in Credit Card Applications

No luck with Comenity

Anonymous — Fri, 06 Feb 2015 15:23:18 GMT

So I've gotten a few pre-approved shopping cart trick offers yet once I accept, I get the "we'll send you a letter within 10 days with our decision" message. The letter I finally got for Sportsman Guide was a denial due to some information "not matching". I have no idea what they're talking about since the information I submitted IS my information and looking at my 3 reports from late December, appears to be accurate. I got my current, up to date EQ report last night and all I can think of is that for some reason, Comenity is looking at an old address even though that address is under the "previous addresses" section. I don't know what else could be wrong with the info. It's the very same info that got me approved for my BofA Visa, and both my AMEX Everyday card and my BofA car loan that I got last month.

I spoke to a Comenity "account protection" lady last night and she couldn't tell me exactly what the issue was. Only that there was a note on the application that something didn't match up. She suggested I contact EQ and make sure everything is updated and to reapply at the end of the month.

Anyway, I was wondering, would it help me "get in the door" with Comenity if I were to cold app for something of theirs and then try the SCT again later, once they see they've extended me credit? I've been interested in buying a piece of software using Bill Me Later. They're Comenity now, aren't they?

Anyone have any advice, suggestions, or experience to share?

Thanks.

Re: No luck with Comenity

Creditaddict — Fri, 06 Feb 2015 15:28:22 GMT

I have found that having 10 cards from comenity doesn't help go through security faster for a new account... they are epically stupid if the computer doesn't handle the entire application and approval for them!

I would try cold applying for paypal, maybe at least then they will start sp the correct address.

Re: No luck with Comenity

Anonymous — Fri, 06 Feb 2015 15:28:51 GMT

@Anonymous wrote:
So I've gotten a few pre-approved shopping cart trick offers yet once I accept, I get the "we'll send you a letter within 10 days with our decision" message. The letter I finally got for Sportsman Guide was a denial due to some information "not matching". I have no idea what they're talking about since the information I submitted IS my information and looking at my 3 reports from late December, appears to be accurate. I got my current, up to date EQ report last night and all I can think of is that for some reason, Comenity is looking at an old address even though that address is under the "previous addresses" section. I don't know what else could be wrong with the info. It's the very same info that got me approved for my BofA Visa, and both my AMEX Everyday card and my BofA car loan that I got last month.

I spoke to a Comenity "account protection" lady last night and she couldn't tell me exactly what the issue was. Only that there was a note on the application that something didn't match up. She suggested I contact EQ and make sure everything is updated and to reapply at the end of the month.

Anyway, I was wondering, would it help me "get in the door" with Comenity if I were to cold app for something of theirs and then try the SCT again later, once they see they've extended me credit? I've been interested in buying a piece of software using Bill Me Later. They're Comenity now, aren't they?

Anyone have any advice, suggestions, or experience to share?

Thanks.

Cold apping for anything comenity just to get SCT offers is likely to not work, and or be a waste of time. Give it time.

Re: No luck with Comenity

App_Addict — Fri, 06 Feb 2015 15:36:01 GMT

You might also want to check TU and EX to make sure they are right as well. It very well may be they are still reporting your old address and the SCT will not work if this is the case. My exp. is that I NEVER had them pull my EQ for a Comenity card.

Re: No luck with Comenity

Anonymous — Fri, 06 Feb 2015 15:44:49 GMT

It appears that every report is showing current address as correct. My full name is also correct as are the last 4 digits of my social. Previous address section is also accurate as I don't live there anymore. I really don't get it. And the fact that they couldn't tell me what part of the info was the issue is frustrating to say the least.

Re: No luck with Comenity

Anonymous — Fri, 06 Feb 2015 15:45:51 GMT

@Anonymous wrote:
It appears that every report is showing current address as correct. My full name is also correct as are the last 4 digits of my social. Previous address section is also accurate as I don't live there anymore. I really don't get it. And the fact that they couldn't tell me what part of the info was the issue is frustrating to say the least.

Perhaps it's a simple matter of them not approving everyone. Give it some time.

Re: No luck with Comenity

Jerry45 — Fri, 06 Feb 2015 16:16:40 GMT

It is your old address. The same thing happened to me. EQ is to blame. Call up EQ and tell them you want to dispute your old addresses, they have to clear it up for free.

Re: No luck with Comenity

App_Addict — Fri, 06 Feb 2015 16:19:05 GMT

Nixon is correct. What are your current scores?

Re: No luck with Comenity

Anonymous — Fri, 06 Feb 2015 16:38:08 GMT

EQ is 686 at the moment.

If they were to deny me for a low score, thin file, too many accounts, etc., I'd understand and happily just wait for improvements. What's frustrating is that I'm being denied for personal information that is exactly the same on other reports and that has been the same for my entire life (with the exception of the address) without my score even being part of the equation.

Re: No luck with Comenity

Anonymous — Fri, 06 Feb 2015 16:41:10 GMT

@Jerry45 wrote:
It is your old address. The same thing happened to me. EQ is to blame. Call up EQ and tell them you want to dispute your old addresses, they have to clear it up for free.

I'll try that, thanks Jerry. I don't get why an address in the "previous addresses" section would make a difference but I'll request to have them clean that up.

Re: No luck with Comenity

Callandra — Fri, 06 Feb 2015 17:19:22 GMT

@Anonymous wrote:
EQ is 686 at the moment.

If they were to deny me for a low score, thin file, too many accounts, etc., I'd understand and happily just wait for improvements. What's frustrating is that I'm being denied for personal information that is exactly the same on other reports and that has been the same for my entire life (with the exception of the address) without my score even being part of the equation.

I have no personal experience with this but it seems like a lot of people get random reasons for denials with Comenity. I've seen some other posts about reasons that just did not make sense (like too many inquires -- no inquiries in the past 2 years except for the Comenity pull!). I would still clean up your address issue and then maybe wait a few months and try again.

Re: No luck with Comenity

App_Addict — Fri, 06 Feb 2015 18:26:57 GMT

@Anonymous wrote:
@Jerry45 wrote:
It is your old address. The same thing happened to me. EQ is to blame. Call up EQ and tell them you want to dispute your old addresses, they have to clear it up for free.
I'll try that, thanks Jerry. I don't get why an address in the "previous addresses" section would make a difference but I'll request to have them clean that up.

They are not pulling your EQ for the SCT, so playing with EQ on this issue will make no difference.

Re: No luck with Comenity

Anonymous — Fri, 06 Feb 2015 20:59:55 GMT

@App_Addict wrote:
@Anonymous wrote:
@Jerry45 wrote:
It is your old address. The same thing happened to me. EQ is to blame. Call up EQ and tell them you want to dispute your old addresses, they have to clear it up for free.
I'll try that, thanks Jerry. I don't get why an address in the "previous addresses" section would make a difference but I'll request to have them clean that up.
They are not pulling your EQ for the SCT, so playing with EQ on this issue will make no difference.

They're not pulling EQ for the SCT? Who do they pull for that? Are you sure? Because they mentioned EQ and listed EQ's contact info in the denial letter and the rep who I spoke to also mentioned that I should contact EQ.

Re: No luck with Comenity

Anonymous — Fri, 06 Feb 2015 21:00:50 GMT

I'm in California if that makes a difference.

Re: No luck with Comenity

App_Addict — Fri, 06 Feb 2015 22:15:38 GMT

My experience (and if somebody has had a different experience they can chime in) is that comenity pulls TU. I have not heard that they pull Eq.

Re: No luck with Comenity

Jerry45 — Sat, 07 Feb 2015 12:28:39 GMT

They soft pulled EQ when I applied for the sportsman's Visa.

Re: No luck with Comenity

fury1995 — Sat, 07 Feb 2015 13:08:12 GMT

They soft pull Experian and hard pull Equifax. If you are getting the preapproval popup then your info is matching on Experian for that. Equifax is for cold apps. Check your Equifax report against your Experian report and make sure Equifax is showing an address and name match EXACTLY as it appears on Experian right down to abbreviations.

Re: No luck with Comenity

fury1995 — Sat, 07 Feb 2015 13:12:49 GMT

FYI for every SCT I had ID alerts on Experian immediately. Those were indicators of a SP on Experian. Never had a HP after on EX after each one. Only EQ if there was a request for identidy verification post popup via a letter from Comenity, but that was rare.

Re: No luck with Comenity

Jerry45 — Sat, 07 Feb 2015 13:34:47 GMT

I have accounts with Experian and EQ, and check my Credit reports usually every day with them. Comenity never never soft pulled me at Experian, just Equifax .

Re: No luck with Comenity

Anonymous — Sat, 07 Feb 2015 14:23:51 GMT

What Nixon said