topic Re: Comenity SCT All HP’s in Credit Cards

Comenity SCT All HP’s

Anonymous — Wed, 10 Oct 2018 20:03:02 GMT

Hi everyone!

Just wanted to share something that I found interesting that I hadn’t come across on here. I fell into the SCT for a few Comenity cards, and although I received the preapprovals via the SCT, all 4 of them were in fact HP’s, not soft pulls. Mainly Equifax, one Experian. Thought I’d share with you all to hopefully give someone else the info to make an informed decision on whether or not to pull the trigger on SCT pre-approvals

Re: Comenity SCT All HP’s

Anonymous — Wed, 10 Oct 2018 20:27:02 GMT

Thank you for sharing. We've begun to get more and more reports of this lately. Perhaps one of the Mods will combine all these posts and create a mega-thread so more people might see it and heed the warning.

Re: Comenity SCT All HP’s

FireMedic1 — Wed, 10 Oct 2018 20:27:49 GMT

What cards were they. I'll add them to my SCT SP or really almost called the SCT HP thread.

Re: Comenity SCT All HP’s

FireMedic1 — Wed, 10 Oct 2018 20:30:01 GMT

@Anonymous wrote:
Thank you for sharing. We've begun to get more and more reports of this lately. Perhaps one of the Mods will combine all these posts and create a mega-thread so more people might see it and heed the warning.

Started it last month. SCT SP/HP Thread

Re: Comenity SCT All HP’s

Anonymous — Wed, 10 Oct 2018 20:35:50 GMT

Pottery Barn(via pre approval letter, not SCT). Boscov, New York & Co, Brylane Home and Victoria’s Secret.

Re: Comenity SCT All HP’s

FinStar — Wed, 10 Oct 2018 20:39:51 GMT

Hi OP. This has been shared and known as far as data points on the forums for a while now. Several members have reported similar outcomes as it appears Comenity/CCB has removed the "cloaking" capability and pre-approved offers merely being treated as a regular application.

On the upside, though, if an individual is pre-approved, then they can decide whether the offer is worth it versus submitting a cold application.

Re: Comenity SCT All HP’s

19eighty5 — Wed, 10 Oct 2018 20:40:59 GMT

Can you also share which bureaus were pulled? Thanks!!

Re: Comenity SCT All HP’s

FireMedic1 — Wed, 10 Oct 2018 21:21:10 GMT

@Anonymous wrote:
Pottery Barn(via pre approval letter, not SCT). Boscov, New York & Co, Brylane Home and Victoria’s Secret.

Thanks. I'll add them. Sorry you got Hp'ed BTW..

Re: Comenity SCT All HP’s

Anonymous — Wed, 10 Oct 2018 21:27:40 GMT

All Equifax with Brylane home being the only exception pulling Experian.

Re: Comenity SCT All HP’s

Anonymous — Wed, 10 Oct 2018 21:29:11 GMT

Thanks! Yeah it’s a dagger but luckily I only have one other inquiry on my report. Only upside is they’ll all fall off together I guess.....in two years. Let the countdown begin haha

Re: Comenity SCT All HP’s

FireMedic1 — Wed, 10 Oct 2018 21:53:56 GMT

FICO score-wise. They fall off in 1 year. But stay on your report for 2 yrs.