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I Fudged Up with Comenity but they still like me

New Contributor

I Fudged Up with Comenity but they still like me

As you can see from my post 3 years ago I overdosed on comenity cards

https://ficoforums.myfico.com/t5/Credit-Card-Approvals/I-overdoosed-on-Comenity-Bank/td-p/3661942/pa...

 

But I fudged up, my victoria secret card reached a 3500 limit an all was paid off. I would put 3500 on the card pay it off in a week. (I buy their clearence lotions etc and resell them in the DR) All my cards were paid off with them and I had moved to the Dominican Republic for work in my business full time over there. While over there when I would try to use my VS card it would decline I assume because of the location and stopped using it. But maybe a year and some months after arriving I started getting phone calls from comenity saying I owed 1800 dollars on my VS card that was seriously past due. I pulled up my credit report and see it and I am stunned I didn't know what happened. I thought I had forgotten to pay it at first. So I tried logging into the VS account to and saw a load of purchases that I knew weren't mine. 

 

Turns out my ex-girlfriend, used the card without my knowledge. I informed community of this but they wouldn't budge as the card was already in collections etc. My ex-denied she used it but when I logged into my vs account I could see the orders shipped to her address. She had changed the email and phone number on the account but not the password. I honestly think she was logging in from a computer I had left her and the password was saved. (**bleep** YOU GOOGLE CHROME!!!!)

Needless to say, I didn't pay it and it and 1 other card are the biggest dings on my credit report. (She also used the GameStop card but thankfully that card only had a 450 limit or something like that don't remember)


Fast forward to today, I am trying to buy some lotions from victoria secret when boom the shopping cart alerts me I am pre-approved for 250 dollars. For **bleep**s and giggles, I try thinking it will deny me. But nope approved for 750. 

 

So in less than 1 year of having the issue with them, they welcome me back. 

Message 1 of 9
8 REPLIES
Valued Contributor

Re: I Fudged Up with Comenity but they still like me

Congrats on approval

7-2018 / Fico 8 EX 774 , EQ 781 , TR 785
Amex ED 22k , CSP 17k , Discover iT 12k , Fifth 3rd Bank 12k , BofA 10k
Message 2 of 9
Frequent Contributor

Re: I Fudged Up with Comenity but they still like me

Run, it's a trap!

Starting Score: (5/24/2018) -- FICO 08 EXP: 643; FICO 08 TU: 642; FICO 08 EQ: 677
Current Score (7/14/2018): FICO 08 EXP: 686; TU: 684; EQ: 728
Goal Score: 720 across the board


Take the myFICO Fitness Challenge
Message 3 of 9
Frequent Contributor

Re: I Fudged Up with Comenity but they still like me

Nice story, congrats on the approval!

(TUfico8 816)--(EXfico9 809)--(EXfico8 808)--(TUvs3.0 772)- CL- Pers 200k+ util~4%|||Biz $100k+
NFCU cashRewards 10k--TDcash 5k--IHG 14.2k--BOA 15.5k--Amazon Prime Store 10k--Amazon PrimeVS 500--Amex Blue Cash Everyday 6k--WellsFargo Cash Wise 14k--PNC Core 10.2k--WalmartMC 10k--SearsMC 10k--Lowes 35k--Toyota 6.5k--Capital One 5250--BP 10k-----Home Depot 24.2k--Chase FU 6.6k--Discover 15.5k
BIZ- BOA CR $12.5k--Amex Plum NPSL--Amex SC+ $13.5k--Amex B4B $12k--Chase Ink $36k--PNC $25k
Message 4 of 9
Regular Contributor

Re: I Fudged Up with Comenity but they still like me

Congratulations!!Smiley Happy



Message 5 of 9
Valued Contributor

Re: I Fudged Up with Comenity but they still like me

Now if only Chase was so forgiving

 

Congrats



3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>6/2018 CCT EX 799 TU 809 EQ 801
You are only young once, but you can be immature forever
Message 6 of 9
Community Leader
Super Contributor

Re: I Fudged Up with Comenity but they still like me

Happy Christmas Story, PeterSmiley Wink



Gardening since 6/13/18
Goal: No hps or cli requests at least til 1/1/19, 7/13/20 preferable
Message 7 of 9
Established Contributor

Re: I Fudged Up with Comenity but they still like me


@AverageJoesCredit wrote:
Happy Christmas Story, PeterSmiley Wink

Smiley Happy Congrats on getting back with Comenity.

Fico Scores as of May 2018: TU:754 EQ: 744 EX: 746
Fico Goals: TU: 770 by 12-2018 EQ: 750 by 12-2018 EX: 780+ by 12-2018



Message 8 of 9
Established Member

Re: I Fudged Up with Comenity but they still like me

What a story but 'grats on the approval!

College Junior
Starting Score: 724
Current Score: 738
Goal Score: 775

Message 9 of 9