@CreditCuriosity wrote:Most likely a verification issue although i wouldn't be obtaining more than 1 comentity card myself within a year span.. I see you have other cards they issue, hopefully those card are older and not new or a good chance if approved for this one it could be shut down right after approval. Also majors with comenity usually need a 680+ score not sure where yours sit and they need to have access to experian and equifax.. As they HP one and SP the other so if one of those were locked it will be a denial. Best of luck
Thanks. Scores in sig are accurate, so kinda right on the cusp of approval territory. EX, I never have frozen and TU/EQ I unfroze on Friday until tomorrow. Just found it odd that when I went to check EQ for sure after, their site was having issues and I couldn't see if for sure. Can now and seems like the report was still unfrozen. The store cards I have are all 1y6|7m old. All got at the same time like Fall of '17. Lucked out I think. PPC was Fall of last year, I believe. Not sure how exactly they look upon that now. Read up on all of the stuff, think I should be safe and don't plan on applying for any more majors for them, as I really have no use for them and same can be said about any more store cards. And like I said, plan on gardening for the foreseeable future now too, so not too terribly worried about any AA from all that I read.
Got a little curious and called the SG number and entered my information and came back with the same speal when I entered the wrong zip with TR, no account found. So, kinda makes me think the TR reporting back $0's with the right stuff, is indication that an account was created and it is verification. Will try to find out for sure tomorrow by calling in. Like I said, was just curious what the communities thoughts on it were. 
@Meanmchine wrote:Couple year back, I apped for the TRV and was denied. I had a fraud alert on all files. Commenity HPd EQ. Also SPd EX. Rejection letter listed the report they were using was from INNOVIS.
Comenity computers have serious issues with FAs. If you have them, make sure your contact phone numbrs are listed on them for verification
I don't, but thanks! I wasn't even sure how you'd go about getting one associated with your reports, let alone how to set one up until I was messing around with EQ trying to figure out whether my report was frozen or not for this and came across it. 
@FinStar wrote:
@Anonymous wrote:
@FinStar wrote:IME, regarding the Orbitz Visa, very similar scenario. The automated system confirmed something on file (account-wise), but that's about it. Once I received the verification letter, I contacted them as they verified additional information and the account was finalized.
Cool beans! Thanks for the info.
Yeah, I just get told no payment due on no due date, no previous payment; what I meant by the '$0's'. Can't get any other information out of the automation and the stuff I did try, led me to CS and they just said I had to wait for the letter. I'll report back when I know for sure. If it is verification, along with you having a similar experience, could be a way for people to tell what their Comenity 7-10 message means for them.Typically, the available credit and/or CL aren't released or unrestricted until verification occurs. Once that step is completed, activation of the CC will release the available credit. As for the 7-10 message, that's actually a toss up. Some are additional verification instances (such as your situation) while others will be a decline.
Let us know the outcome.
Yeah, but I was saying if you call in with the 7-10 and it reports some sort of information as it did in your case and if it does it in mine, could be a way to determine what it means. Unless of course it does this even on 100% declines too. Again, all assuming that mine is verification and not the latter.
Submit app > 7 - 10 message > NO account information found = Decline! 
Submit app > 7 - 10 message > Something gets reported back* = Verification
* Again, just a hunch and totally presuming that they don't still create something 100% of the time at the point of initial application submission.
Apologies if you got what I was suggesting. Wasn't sure with your post. My initial read took it as you thought I was confused that a 7-10 could be a bad thing too or something else other than verification. Either way, hope that makes it more clear what I was suggesting earlier.
@Anonymous wrote:
@FinStar wrote:
@Anonymous wrote:
@FinStar wrote:IME, regarding the Orbitz Visa, very similar scenario. The automated system confirmed something on file (account-wise), but that's about it. Once I received the verification letter, I contacted them as they verified additional information and the account was finalized.
Cool beans! Thanks for the info.
Yeah, I just get told no payment due on no due date, no previous payment; what I meant by the '$0's'. Can't get any other information out of the automation and the stuff I did try, led me to CS and they just said I had to wait for the letter. I'll report back when I know for sure. If it is verification, along with you having a similar experience, could be a way for people to tell what their Comenity 7-10 message means for them.Typically, the available credit and/or CL aren't released or unrestricted until verification occurs. Once that step is completed, activation of the CC will release the available credit. As for the 7-10 message, that's actually a toss up. Some are additional verification instances (such as your situation) while others will be a decline.
Let us know the outcome.
Yeah, but I was saying if you call in with the 7-10 and it reports some sort of information as it did in your case and if it does it in mine, could be a way to determine what it means. Unless of course it does this even on 100% declines too. Again, all assuming that mine is verification and not the latter.
Submit app > 7 - 10 message > NO account information found = Decline!
Submit app > 7 - 10 message > Something gets reported back* = Verification
* Again, just a hunch and totally presuming that they don't still create something 100% of the time at the point of initial application submission.
Apologies if you got what I was suggesting. Wasn't sure with your post. My initial read took it as you thought I was confused that a 7-10 could be a bad thing too or something else other than verification. Either way, hope that makes it more clear what I was suggesting earlier.
No worries, I undertood your logic.
What I would say, for the bolded items, is that there is still a 7-10 day instance that may not have account information to confirm (when calling the automated system) but does not always lead to a decline. This happened several years ago with an A&F CC. While no additional verification correspondence generated, their internal review and verifications process took a while (almost 3 weeks) and it was eventually approved. No letter arrived, just the card. So, it's a great guidance to go by in most situations, but there will always be outliers.