Commenity Application

[Anonymous]

I applied for a Commenity card today. I filed BK and have been discharged, from my converstaion with a rep when I spoke with one when I was open in BK they stated they are bery BK friendly and to apply after my DC. I applied for one of their card products, and got this:

We are reviewing your application and will contact you by mail within the next 2 weeks.

I have never in my life seen this response, it's not the 7-10 day which others get. Anyone have any ideas? Should I call and recon or wait til I get a letter?

Thanks

[pizza1]

Wait till you get the letter. What card did you apply for?

[pizza1]

Just to add....Their Store cards are BK friendly, but their Visa's are not for several years post, and a min EQ fico score of 685+ for majors.

[Anonymous]

I applied for a store card, I had a good relationship with them prior to BK and had for like the last 10 years and was hoping to possibly get it again since I shop there frequently and I get coupons if I have a store CC vs Not. My Fico8 scores as of today are EQ 624/ TU 544/ EX 601

[pizza1]

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@Anonymous wrote:

I applied for a store card, I had a good relationship with them prior to BK and had for like the last 10 years and was hoping to possibly get it again since I shop there frequently and I get coupons if I have a store CC vs Not. My Fico8 scores as of today are EQ 624/ TU 544/ EX 601

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Whats the store name?? I could tell you a lot more if you can reveal the name.  Its not like its a secret...is it? LOL..Also, when was your BK discharge?? I need those two things before I can give any more advice. 

[Anonymous]

Sorry, I only saw the Sc or Visa thread. :-P
Torrid dc 10/12/16

[pizza1]

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@Anonymous wrote:
Sorry, I only saw the Sc or Visa thread. :-P
Torrid dc 10/12/16

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[pizza1]

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@pizza1 wrote:

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@Anonymous wrote:
Sorry, I only saw the Sc or Visa thread. :-P
Torrid dc 10/12/16

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OK..I had to rewrite this...lol

So you already applied then? OK..Wait for letter, but if its verification, theres a special number to call, and they ask you for the Reference number on the letter. Are you reports correct from your bk?  Are all your accts showing IIB/$0 bal, and your BK showing DISCHARGED on your EQ report?? 

[Anonymous]

Yes DC shpwing, Eq/Ex are both updated and cleaned up. I was diligent about that after we filed. The only one that isn't is TU because one creditor feels they can keep reporting us late if we don't agree to tepay them, which I'm dealing with..

[UncleB]

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@Anonymous wrote:
Yes DC shpwing, Eq/Ex are both updated and cleaned up. I was diligent about that after we filed. The only one that isn't is TU because one creditor feels they can keep reporting us late if we don't agree to tepay them, which I'm dealing with..

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Slightly off-topic, but if a creditor that was IIB is still insisting on reporting you need to notify the attorney you used for your BK (if you used one).  This should be low-hanging fruit for them. 

Back on-topic, you're in great hands with Pizza1... if anybody knows how Comenity works it's her!