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Kay Jewelers/ Comenity

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Regular Contributor

Kay Jewelers/ Comenity

Anyone tried the Prequal page on Kay Jewelers?  I have not done it, just noticed it.  It does require a full SSN, so I'm curious if it would be a HP or SP.  I'm rebuilding, so not planning to app.  Just wondering more than anything.

 

 







Starting Score: 10/1/2017

Fico8 EQ 591 TU 578 EX 598
Mortgage: EQ 616 TU 632 EX 590

Current Score: 2/1/2018
Fico 8: EQ 608 TU 669 EX 632
Mortgage: EQ 629 TU 657 EX 657


Goal Score:
700 Club


Take the myFICO Fitness Challenge
Message 1 of 13
12 REPLIES
Established Contributor

Re: Kay Jewelers/ Comenity

I did it for Jareds and it was a soft pull.

Message 2 of 13
Regular Contributor

Re: Kay Jewelers/ Comenity

Yes, I did and was prequal with ex/eq on ice. I am not gonna apply at this moment. 

EX 675
EQ 680
TU 658
BK 7 D/C December 2016.
Message 3 of 13
New Contributor

Re: Kay Jewelers/ Comenity

Yes did the prequal.  It states if prequalify then you have to do a full app.  Was prequalified and haven't seen any inq notifications, so looks to be a soft pull.

Message 4 of 13
Established Contributor

Re: Kay Jewelers/ Comenity


Budcny wrote:

Yes did the prequal.  It states if prequalify then you have to do a full app.  Was prequalified and haven't seen any inq notifications, so looks to be a soft pull.


Yeah, the application will be a hard pull, only the prequalification is a soft pull.

Message 5 of 13
Valued Member

Re: Kay Jewelers/ Comenity

I tried the pre-approval for Kay and got the green light but I did not complete the full application. Was not given a set CL that I'd be approved for and can confirm it's a soft pull.

Edit: Jared is also a soft pull with no CL given
12/7/17:
EX: 629 TU:622 EF:615

Cards: AMEX Delta Gold ($1000) AMEX SPG Card ($1000) Credit One Bank ($500) Capital One QS1($750) Victoria's Secret ($350) Express ($250) J.Crew($750) CareCredit($1500)
Message 6 of 13
Regular Contributor

Re: Kay Jewelers/ Comenity

I saw the same on Jared. PreQualified but did not fill out the full app, as there was no set CL. It was a fill in the blank box to type the amount I was requesting to finance. Good to know it’s not a HP.






Starting Score: 10/1/2017

Fico8 EQ 591 TU 578 EX 598
Mortgage: EQ 616 TU 632 EX 590

Current Score: 2/1/2018
Fico 8: EQ 608 TU 669 EX 632
Mortgage: EQ 629 TU 657 EX 657


Goal Score:
700 Club


Take the myFICO Fitness Challenge
Message 7 of 13
Established Contributor

Re: Kay Jewelers/ Comenity

I did it 1500 line pulled eq 631 fico 08
fico 08 1/23//2018 tu 619 eq 627
ex 618 overstock src="http://ficoforums.
Message 8 of 13
New Member

Re: Kay Jewelers/ Comenity

Wife did the prequel, didn't provide potential sl. Submitted app, approved for $3k

Message 9 of 13
New Member

Re: Kay Jewelers/ Comenity

I did so I went for it. Big mistake as they denied me. What a waste.
Message 10 of 13