Comenity/Bread Financial

BigTexMex · ‎09-19-2024

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 · ‎09-20-2024

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 · ‎09-20-2024

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.

(2/2025)
FICO 8 (EX) 850 (TU) 850 (EQ) 850
FICO 9 (EX) 850 (TU) 850 (EQ) 850

$1M+ club

Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion

MitchDeerfield · ‎09-20-2024

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

MileHigh96 · ‎09-20-2024

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.

BK7 discharged - 06JUL2021
Loans:

Revolving Accounts (in the order they were opened):

Ally Everyday Cash Back Mastercard (converted from Ollo Platinum Rewards Mastercard) $4800 CL (opened 7/21/21)

Mercury Mastercard $4360 CL (opened 7/23/21)

Upgrade Triple Cash Rewards Visa Card $17,500 LOC (opened 8/4/21)

PenFed Pathfinder Rewards $6000 CL (opened 11/9/21)

Dell Pay Credit (converted from Dell Financial Services account) $6500 CL (opened 12/6/21)

Capital One Kohls Visa (converted from Kohls store card) $3300 CL (opened 12/13/21)

Upgrade Cash Rewards Visa Card $7,000 LOC (opened 3/17/22)

Capital One Quicksilver MC (PC'd from a Platinum card) $3200 CL (opened 5/6/22)

Capital One Savor One MC $5000 CL (opened 10/20/22)

Merrick Bank Double Your Line MC $2500 CL (opened 11/1/22)

NFCU cashRewards Plus $28000 CL (opened 3/17/23)

Affinity FCU Pure Rewards Visa $1500 CL (opened 5/18/23)

Bread Cashback AmEx $10000 CL (opened 5/23/23)

Canvas CU Platinum Elite MC $3000 CL (opened 5/25/23)

NFCU Go Rewards Visa $23000 CL (opened 6/16/23)

Petco Pay Mastercard $5100 CL (opened 6/29/23)

My GM Rewards Card Mastercard $5500 CL (opened 8/1/23)

Denver Broncos Extra Point Visa $8500 CL (opened 12/8/23)

NFCU More Rewards AmEx $9000 CL (opened 2/8/24)

Ally Unlimited Cash Back Mastercard $3000 CL (opened 4/3/24)

Service Credit Union Everyday Visa $2500 CL (opened 8/19/24)

BECU Cash Back Visa $16000 CL (opened 8/21/24)

Closed accounts:

Mission Lane Visa - first starter card after discharge (opened 7/7/21 - closed 4/1/23)

Capital One Quicksilver MC (downgraded from a Walmart Rewards MC and transfered CL to older QS card) (opened 11/4/22 - closed 04/09/25)

MitchDeerfield · ‎09-21-2024

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 · ‎09-21-2024

@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.

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.

BofA Platinum Honors:

Citi:

Custom Cash 5% (Drugstores or pick of the month)

U.S. Bank:

Cash+; 5% (Cable, plus category of choice)

Current Churn For SUB:

Backup Socks:

CB Debit Cards:

Affinity Cash Back Debit 1% (max $10 p/m)

Affinity Cash Back Plus 10% (max $15 p/m)

BigTexMex · ‎09-22-2024

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,