Comenity/Bread Financial

[BigTexMex]

Applied for the NFL Visa from Comenity and received instant denial.  Received letter today and noticed they pulled from SageStream/LexisNexis.  Cannot find a recon number for them either.   Anyone else been pulled from this credit bureau before for credit card purposes?

[MitchDeerfield]

Bread/Comenity is a worthless bank.  Don't waste your time trying to be reconsidered.   They'll just tell you to reapply in 30 days.  That's it.

[coldfusion]

It isn't unusual for Sagestream to be pulled as a secondary along with 1 of the Big 3 when applying for credit,  USBank is a pretty well-known example of someone who does it.  You'd have to work very hard to successfully track down someone at Bread both willing and empowered to one-off a recon for you.

[MitchDeerfield]

How do you "work very hard" to get reconsidered?  What's your secret?

[MileHigh96]

When I applied for that particular card in December of last year, they pulled EXP. For the other 2 cards I have from them, they pulled EQ both times, I've never had them pull any of the others that are out there.

[MitchDeerfield]

I just found out that Comenity Bread does not want you to use your Google Voice phone number on your credit card application and they will decline you for that reason alone.  They will claim that they're unable to verify your identity.

This is the only bank that had this as its policy, and they don't tell you in advance.

[ElvisCaprice]

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@MitchDeerfield wrote:

I just found out that Comenity Bread does not want you to use your Google Voice phone number on your credit card application and they will decline you for that reason alone.  They will claim that they're unable to verify your identity.

This is the only bank that had this as its policy, and they don't tell you in advance.

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Actually there are several where this can become a huge issue, especially for verification purposes. (although I've never heard of being declined on an application because of it.)  US Bank is one of them.  I also prefer using my Google voice line.

[BigTexMex]

Interesting, considering everyone is going to a multi factor authentication.  9 out 10 applications I've submitted required an email and cell phone for verification purposes.......... I still have a land line though, maybe I'll put that down next time,