Comenity cannot verify credit

[sghosh5]

I have been trying to get a credit limit increase on my Express card. Comenity keeps denying it saying cannot verify credit. Now i applied for Kay Jewellers credit card and was denied for the same reason. The letter said it cannot verify address, birthday, credit. But it did pull my Equifax report. So not sure what is going on. If i call Express/Comenity they say scripted things and seems have no idea. Did anyone here ever experience this? Any help appreciated. 

[Anonymous]

I recommend pulling your EQ report and comparing your personal information on it to the information Comenity has. There must be some discrepancy, even if it's an incorrect letter in your name. That's where you should start. Due to Comenity's history of shutting down accounts, I would do this ASAP so as to ensure no AA on your Express card.
Good Luck!

[FinStar]

OP, in addition to the above, keep in mind that Comenity also tends to use SageStream as another (CR) resource besides EQ.  So, if there's any slight discrepancies between both, that's likely the issue.

[sghosh5]

Thanks for the suggestions. Can you get a sagestream report?

[Anonymous]

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@sghosh5 wrote:
Thanks for the suggestions. Can you get a sagestream report?

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Yes! Use this link for info:

https://www.sagestreamllc.com/consumer-report/ 

[Anonymous]

OP,  here is a list of all the CRA's and how to request a copy of your report. It's remarkable how many there are!

https://www.consumerfinancialserviceslawmonitor.com/wp-content/uploads/sites/501/2018/02/Exhibit-to-...

(Mod edit to correct link)

[AverageJoesCredit]

Something seems wrong with that last link missliz

[Anonymous]

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@AverageJoesCredit wrote:
Something seems wrong with that last link missliz

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Thanks, AJC!
I fixed it!

[sghosh5]

The link still does not work

[sghosh5]

Ok, just checked sagestream site. Too much hassle to get a simple report. I will just ignore comenity. Thanks everyone again for all the suggestions