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Approved for Comenity Card after I burned them in Bankruptcy!

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Established 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. 

Starting Score: 620
Current Score: 620
Goal Score: 750


Take the myFICO Fitness Challenge

Discover- $1800 CL
Children's Place $500 CL
Fingerhut $800 CL
Wayfair- $500 CL
Avant- $500 CL
Indigo- $300 CL
Message 1 of 10
9 REPLIES 9
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
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 ($500 now $700) Nov. 2018
SelfLender (2 year) Nov. 2018
Capital One Platinum MC ($2000) Jan. 2019
Target RedCard ($500) April 2019
Venus Comenity ($500) May 2019 no HP


FICO 8 SCORES: 06-02-2019616 TU613 EX638 EQ
Message 3 of 10
Established 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. 

Starting Score: 620
Current Score: 620
Goal Score: 750


Take the myFICO Fitness Challenge

Discover- $1800 CL
Children's Place $500 CL
Fingerhut $800 CL
Wayfair- $500 CL
Avant- $500 CL
Indigo- $300 CL
Message 4 of 10
Established Member

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

this application was a soft pull for me. 

Starting Score: 620
Current Score: 620
Goal Score: 750


Take the myFICO Fitness Challenge

Discover- $1800 CL
Children's Place $500 CL
Fingerhut $800 CL
Wayfair- $500 CL
Avant- $500 CL
Indigo- $300 CL
Message 5 of 10
Senior Contributor

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

Congratulations!

Starting Scores FICO 8 (Feb '18):
EX- 519, TU- 530, EQ- 545

Current Scores



Message 6 of 10
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 ($500 now $700) Nov. 2018
SelfLender (2 year) Nov. 2018
Capital One Platinum MC ($2000) Jan. 2019
Target RedCard ($500) April 2019
Venus Comenity ($500) May 2019 no HP


FICO 8 SCORES: 06-02-2019616 TU613 EX638 EQ
Message 7 of 10
Established 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. 

Starting Score: 620
Current Score: 620
Goal Score: 750


Take the myFICO Fitness Challenge

Discover- $1800 CL
Children's Place $500 CL
Fingerhut $800 CL
Wayfair- $500 CL
Avant- $500 CL
Indigo- $300 CL
Message 8 of 10
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 ($500 now $700) Nov. 2018
SelfLender (2 year) Nov. 2018
Capital One Platinum MC ($2000) Jan. 2019
Target RedCard ($500) April 2019
Venus Comenity ($500) May 2019 no HP


FICO 8 SCORES: 06-02-2019616 TU613 EX638 EQ
Message 9 of 10
Established Member

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

It was a soft pull

Starting Score: 620
Current Score: 620
Goal Score: 750


Take the myFICO Fitness Challenge

Discover- $1800 CL
Children's Place $500 CL
Fingerhut $800 CL
Wayfair- $500 CL
Avant- $500 CL
Indigo- $300 CL
Message 10 of 10
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