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Hi everyone!
I recently ran throught the few pre-qualify options that Bread/Comenity offers, i.e. Dell, Burlington, Michaels, and each one gave me an offer, but when I accepted the offer and completed the application, I received a message to call. The 1st time I called they said my Innovis report was frozen, so I thawed it and called back, then they said my Sagestream report was frozen, so I thawed it along with Lexis, and called again, and they said it was still showing a credit freeze. I called everyone back and they all assured me the reports were thawed, so, I called one last time and they said the freeze was still in place. I assured them I called the secondaries and unfroze the 3 primaries online, but they still insist they can't process my apps because of credit freezes. I'm probably better off without those cards anyway, but it sure is frustrating.
It's better to not saddle yourself with slow growing, low limit Comenity store cards. I have one account with them, IKEA, and it's taken years to get it up to a functional limit.











