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@Anonymous wrote:
To my understanding they pull EQ so I had no idea they will need to access my EX report had I known this I would have taken the freeze off but you learn something new everyday
Yeah, I wouldn't have known that they would do that either and my comment really isn't directed at you. I've seen lots of people get denied or their approval held up because they had a report(s) frozen and the creditor did something unexpected and pulled a different bureau than expected.
@Anonymous wrote:
@Anonymous wrote:
To my understanding they pull EQ so I had no idea they will need to access my EX report had I known this I would have taken the freeze off but you learn something new everydayYeah, I wouldn't have known that they would do that either and my comment really isn't directed at you. I've seen lots of people get denied or their approval held up because they had a report(s) frozen and the creditor did something unexpected and pulled a different bureau than expected.
Comenity is famous for this... They use some third party and Exp must be unfroozen even though it is just a SP, really weird.. Don't understand it myself, just read up on it before through this site and found out possible reasons for denials and Experian/Eq being froozen was it as they HP one and SP the other. For some reason the SP won't go through by their method with a freeze in place. Live and learn. Hopefully it still works out for you somehow
Hopefully CA or B can comment on this as they both have had this issue to I believe and I believe that is how I found out about this.
@CreditCuriousity wrote:
@Anonymous wrote:
@Anonymous wrote:
To my understanding they pull EQ so I had no idea they will need to access my EX report had I known this I would have taken the freeze off but you learn something new everydayYeah, I wouldn't have known that they would do that either and my comment really isn't directed at you. I've seen lots of people get denied or their approval held up because they had a report(s) frozen and the creditor did something unexpected and pulled a different bureau than expected.
Comenity is famous for this... They use some third party and Exp must be unfroozen even though it is just a SP, really weird.. Don't understand it myself, just read up on it before through this site and found out possible reasons for denials and Experian/Eq being froozen was it as they HP one and SP the other. For some reason the SP won't go through by their method with a freeze in place. Live and learn. Hopefully it still works out for you somehow
Hopefully CA or B can comment on this as they both have had this issue to I believe and I believe that is how I found out about this.
While I have no experience with reports being frozen, I can say for sure that when I app'd for PayPal Credit, I got a HP on EQ and a SP on EX. I haven't app'd for any of their Visa/Mastercards, but I can only imagine they will do the same thing for them.
@Anonymous wrote:
Just spoke to another rep n it was definitely a denial.... At least I know what to do before apping for another Comenity card........
Sorry to hear that. Did they say the reason for denial? Also, were you pre-approved for this card or did you cold app?