Wayfair Weird Denial

[Anonymous]

I apped for Wayfair on 4/7/18 and the HP showed up on EQ. It is unfrozen until 4/20/18. Just got a letter from Comenity that they couldn't pull my credit history because my report is frozen. Say what? I got a HP!

Will call in the morning to see if I can get anywhere, since what they're saying definitely contradicts the HP.

Any thoughts on possible success?

[FinStar]

It's possible EQ is not fully thawed?  This has happened to a few folks that attempted to thaw EQ, appear to have gotten confirmation it's unfrozen, later to learn it wasn't.  An HP can still be done but it doesn't mean that the lender can access the file.

[CreditCuriosity]

Was your Experian Froozen?  Alliance data aka Comenity HP's either Eq/Exp and then SP's the other in your case it would of been Experian since they HP'ed EQ, if that was froozen that would of caused the denial.  Was this the case?

[Meanmchine]

---

@CreditCuriosity wrote:

Was your Experian Froozen?  Alliance data aka Comenity HP's either Eq/Exp and then SP's the other in your case it would of been Experian since they HP'ed EQ, if that was froozen that would of caused the denial.  Was this the case?

---

+1

You can call them up and if this is the case, unfreeze EX and maybe they can repull

[Anonymous]

---

@FinStar wrote:

It's possible EQ is not fully thawed?  This has happened to a few folks that attempted to thaw EQ, appear to have gotten confirmation it's unfrozen, later to learn it wasn't.  An HP can still be done but it doesn't mean that the lender can access the file.

---

Ah, I've never heard of that. I will ask them in the morning if that's what happened. ☺️

[Anonymous]

---

@CreditCuriosity wrote:

Was your Experian Froozen?  Alliance data aka Comenity HP's either Eq/Exp and then SP's the other in your case it would of been Experian since they HP'ed EQ, if that was froozen that would of caused the denial.  Was this the case?

---

I forgot to include that they referenced EQ in the letter, plus the HP is on EQ. ☺️

[FinStar]

---

@Anonymous wrote:

---

@CreditCuriosity wrote:

Was your Experian Froozen?  Alliance data aka Comenity HP's either Eq/Exp and then SP's the other in your case it would of been Experian since they HP'ed EQ, if that was froozen that would of caused the denial.  Was this the case?

---

I forgot to include that they referenced EQ in the letter, plus the HP is on EQ. ☺️

---

Right, the HP may be on the primary CR they attempted to access but as CreditCuriosity mentioned above, they also SP Experian in connection with your application as well (the SP will not be referenced in your letter).

[Meanmchine]

Comenity hs issues with wording their rejection letters accurately. In Jan '17  I apped for Total Rewards Visa and they HPed EQ but they also SP Sagestream.  The rejection stated that the credit file responsible for their decision was the SP Sagestream, not the HPd EQ

I think your problem probably is gonna be an  EX or Sagestream issue. In any case, call Comenity and try to straighten it out.

Good luck Bella

[Anonymous]

Thanks to everyone! All the info really helps, and I'll know what to ask tomorrow. I'll keep you all posted. 

[Meanmchine]

< fingers crossed >