topic Comenity account fell off my CRs in Bankruptcy

Comenity account fell off my CRs

sarux3 — Thu, 27 Feb 2020 16:12:17 GMT

I was looking at my CK account last week and clicked the "Here's what's changed" link out of habit, and it said that my Comenity Gamestop card (which I had IIB) was removed from my TU report. I checked the other two bureaus real quick and found the same thing had happened on those CRs as well. Is this type of thing unusual? I was DC in April 2019, so it's not quite a year out from that. The Gamestop CC was my only Comenity account and I had a small balance ($300 or so) at the time of filing. I remember that two other accounts had disappeared from my CRs before -- a US Bank card and my Acura lease -- but that was immediately after I had filed for BK7. It's odd (but appreciated, I guess!) that this particular baddie stuck around a year after filing and then dropped off... I wish my other IIB accounts would do that!

Coincidentally (or perhaps not), this week I've started getting J.Crew emails that are specifically promoting their credit card, which as you all know is backed by Comenity. I'm resisting the urge to pull, but it's nice if this is a sign of better times to come!

Re: Comenity account fell off my CRs

FireMedic1 — Fri, 28 Feb 2020 18:27:44 GMT

It happens at times reports of a creditor falling off after BK. One less account showing you burned a creditor. Rebuild with regular cards first before store cards.

Re: Comenity account fell off my CRs

sarux3 — Fri, 28 Feb 2020 20:42:33 GMT

No, I'm definitely not keen to pull on retail cards right now, as tempting as it is. I really want to get back in Capital One or Discover's good graces first and possibly replace my CreditOne card with something a little more functional and less expensive.

Re: Comenity account fell off my CRs

FireMedic1 — Fri, 28 Feb 2020 21:06:13 GMT

@sarux3 wrote:
No, I'm definitely not keen to pull on retail cards right now, as tempting as it is. I really want to get back in Capital One or Discover's good graces first and possibly replace my CreditOne card with something a little more functional and less expensive.

Great idea!!!!!!!!!