I haven't received the pop up from overstock.com so I decided to cold app anyways since I do a lot of shopping there. I got " application is under review, we will contact you within 10 days". ..is this a flat out denial?
Comenity might need to validate info- especially if you've recently moved or you have a known alias. A known alias could be something like someone misspelling your name in an internal document which sometimes shows up on your credit report.
I haven't received the pop up from overstock.com so I decided to cold app anyways since I do a lot of shopping there. I got " application is under review, we will contact you within 10 days". ..is this a flat out denial? No. That happened to me with Gamestop. I had an old address listed on my Gamestop Rewards Card account with them and it was what they used to prequalify me so when I entered my current address it sparked a Red Flag. When the letter FINALLY came and several phone calls later, I was able to get it fixed and approved in under a minute. The preapproval for Overstock is a bit different. You HAVE to check the box for billing same as shipping and THEN the pop up appears.
Hi and thanks for the info. I did all that with overstock.com. checked the shipping same as billing address box. No pop up. Tried calling the backdoor numb for comenity but had to leave name and number. Can never reach a live rep there.
Update. ...I called the backdoor number for comenity bank. Found it on the sticky thread. While the customer service representative was nice she couldn't give me any information. Said I'd have to wait for a letter. I find it hard to believe that they can't tell you anything? Anyone know of a better number to try? I did find out equifax had a fraud alert on my report as I'm disputing information. Called equifax and they are removing the alert within 48 hours. Could that be the reason for the non approval?
Update. ...I called the backdoor number for comenity bank. Found it on the sticky thread. While the customer service representative was nice she couldn't give me any information. Said I'd have to wait for a letter. I find it hard to believe that they can't tell you anything? Anyone know of a better number to try? I did find out equifax had a fraud alert on my report as I'm disputing information. Called equifax and they are removing the alert within 48 hours. Could that be the reason for the non approval?
Ok thanks. .couldn't they have told me that over the phone? Do you think I will get a denial or will it be a letter requesting more information? Never had this happen before.
Creditaddict would be the man that can answer this question as he knows them well... Not sure of all the hoops you might have to jump through. Hopefully someone more familiar with them will ring in on this subject
