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Approved for Comenity Card after I burned them in Bankruptcy!

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Valued Member

Approved for Comenity Card after I burned them in Bankruptcy!

I filed bankrupcy in fed 2018 and was discharged in may. I included a  $250 childrens place card and a $300 Victoria secret card. I was just approved for a $500 childrens place card with them. 









Message 1 of 10
9 REPLIES 9
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Valued Contributor

Re: Approved for Comenity Card after I burned them in Bankruptcy!

Welcome to the myFICO forums!

 

 

Very unexpected from Comenity indeed! Congrats! Can you provide additional data points? FICO scores; Inquires; Other Open Accounts; etc...

















Your FICO credit scores are not just numbers, it’s a skill.

Message 2 of 10
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Frequent Contributor

Re: Approved for Comenity Card after I burned them in Bankruptcy!

Awesome news! Was it a HP?
BK CH7--Filed September 25, 2018--D/C Jan.4, 2019
{FICO8 Feb.12, 2019--TU 580--EX 600--EQ 626}

Credit One Visa CLOSED by me May 2020!! :-)($500 now $700) Nov. 2018
SelfLender (2 year) Nov. 2018
Capital One Platinum MC ($2000 now $2500) Jan. 2019
Target RedCard ($500 at 4 months $800 six months later $1900) April 2019
Venus Comenity ($500 now $1500) May 2019 no HP
Ann Taylor Loft MC ($1000) June 2020 no HP
Overstock ($350 now $2350) June 2020 no HP


FICO 8 SCORES: 06-04-2020633 TU656 EX652 EQ
Message 3 of 10
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Valued Member

Re: Approved for Comenity Card after I burned them in Bankruptcy!

I currently only use credit Karma to see where my scores are and i have a 609 on both equifax and transunion. i have a secured discover card $200 limit, a fingerhut account $400 limit (just graduated from fresh start), and $500 self lender secured loan. The only negatives on my account is chp 7 bankruptcy and my 25 inquires. i have been denied for almost EVERYTHING so i was so suprised that they approved me. 









Message 4 of 10
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Valued Member

Re: Approved for Comenity Card after I burned them in Bankruptcy!

this application was a soft pull for me. 









Message 5 of 10
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Senior Contributor

Re: Approved for Comenity Card after I burned them in Bankruptcy!

Congratulations!

FICO 8 (Feb 2018):EX- 519, TU- 530, EQ- 545
FICO 8 (Mar 2020):EX- 689, TU- 665, EQ- 670
What's in my wallet:



On the chopping block:

Message 6 of 10
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Frequent Contributor

Re: Approved for Comenity Card after I burned them in Bankruptcy!

Is it still showing as a SP? And did you app in store or online? Was it a preapproval first?
BK CH7--Filed September 25, 2018--D/C Jan.4, 2019
{FICO8 Feb.12, 2019--TU 580--EX 600--EQ 626}

Credit One Visa CLOSED by me May 2020!! :-)($500 now $700) Nov. 2018
SelfLender (2 year) Nov. 2018
Capital One Platinum MC ($2000 now $2500) Jan. 2019
Target RedCard ($500 at 4 months $800 six months later $1900) April 2019
Venus Comenity ($500 now $1500) May 2019 no HP
Ann Taylor Loft MC ($1000) June 2020 no HP
Overstock ($350 now $2350) June 2020 no HP


FICO 8 SCORES: 06-04-2020633 TU656 EX652 EQ
Message 7 of 10
Valued Member

Re: Approved for Comenity Card after I burned them in Bankruptcy!

yes it is a soft pull. I applied online and i have my ss# locked so i dont receive pre approvals. i applied and they sent me a letter that had me call them and verify who i was. After i verifired my identity they told me i was approved. 









Message 8 of 10
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Frequent Contributor

Re: Approved for Comenity Card after I burned them in Bankruptcy!


@DatGalMoe wrote:

I currently only use credit Karma to see where my scores are and i have a 609 on both equifax and transunion. i have a secured discover card $200 limit, a fingerhut account $400 limit (just graduated from fresh start), and $500 self lender secured loan. The only negatives on my account is chp 7 bankruptcy and my 25 inquires. i have been denied for almost EVERYTHING so i was so suprised that they approved me. 

Curious, was your Indigo card approval a HP or SP? Trying to collect data.


 

BK CH7--Filed September 25, 2018--D/C Jan.4, 2019
{FICO8 Feb.12, 2019--TU 580--EX 600--EQ 626}

Credit One Visa CLOSED by me May 2020!! :-)($500 now $700) Nov. 2018
SelfLender (2 year) Nov. 2018
Capital One Platinum MC ($2000 now $2500) Jan. 2019
Target RedCard ($500 at 4 months $800 six months later $1900) April 2019
Venus Comenity ($500 now $1500) May 2019 no HP
Ann Taylor Loft MC ($1000) June 2020 no HP
Overstock ($350 now $2350) June 2020 no HP


FICO 8 SCORES: 06-04-2020633 TU656 EX652 EQ
Message 9 of 10
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Valued Member

Re: Approved for Comenity Card after I burned them in Bankruptcy!

It was a soft pull









Message 10 of 10
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