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I've had the Bread Cashback card for about 3 months now. I have paid it off every month but nothing is showing up on Experian, Equifax, or TransUnion. I mean nothing - no hard inquiry, no new accounts. It's like I don't even have the card.
I've seen that Comenity has been having issues the past few months in general with their servers. Has anyone else experienced this? Know how to get them to report?
I contacted Customer Support and after almost a week they responded saying they have been having technical issues during an upgrade and are working to start reporting again (no timeline given).
@undefined wrote:I've had the Bread Cashback card for about 3 months now. I have paid it off every month but nothing is showing up on Experian, Equifax, or TransUnion. I mean nothing - no hard inquiry, no new accounts. It's like I don't even have the card.
I've seen that Comenity has been having issues the past few months in general with their servers. Has anyone else experienced this? Know how to get them to report?
I contacted Customer Support and after almost a week they responded saying they have been having technical issues during an upgrade and are working to start reporting again (no timeline given).
@undefined Yeah they have been having TROUBLES for a ridicuously long time. Many people are still waiting for updates since June 2022 and it's about to be NOV in another week. SMH
Everytime I check my Comenity account it says Last Update June 11th 2022.
Saw one member said they got an update finally this month but that's the only one I have read about.
Been waiting since June also for my Overstock card to update. I've called twice and both times I was told it should be rectified in a couple weeks. I emailed on 10/11 after it had been 6 weeks and nothing. This morning (13 days later) I finally got a reply:
I am with Comenity Capital Bank, which handles your credit card account. I'm here to help with your account needs. Thank you for reaching out to us. We apologize for any inconvenience you'veexperienced. I can appreciate your credit report is important to you. Because of a recent system upgrade, we have chosen not to report account updates to credit bureaus at this time. Rest assured, this is our top priority. We expect to provide an update to the credit reporting agencies within two billing cycles.
Same issue here. I opened my account on June 5, 2022, as it has yet to hit any of my credit reports. In September, I sent them a message, and I was told…
"I understand your concern. We planned a system update and are still experiencing issues that impacted our ability to serve our customers in all channels, including credit reporting. I apologize for the inconvenience this disruption has caused. We are continuing to work to restore additional services as quickly as possible. Again, my apologies. Thank you!"
Today I just got off the phone, and apparently, they will start reporting to the credit bureaus by the end of this month. The reason they didn't was due to the server issue and not wanting to report incorrect information, such as late payments on customers' accounts, is what she told me.
So hopefully, we should see it corrected soon and back-dated to the account's opening date.
@Waldemar wrote:Same issue here. I opened my account on June 5, 2022, as it has yet to hit any of my credit reports. In September, I sent them a message, and I was told…
"I understand your concern. We planned a system update and are still experiencing issues that impacted our ability to serve our customers in all channels, including credit reporting. I apologize for the inconvenience this disruption has caused. We are continuing to work to restore additional services as quickly as possible. Again, my apologies. Thank you!"
Today I just got off the phone, and apparently, they will start reporting to the credit bureaus by the end of this month. The reason they didn't was due to the server issue and not wanting to report incorrect information, such as late payments on customers' accounts, is what she told me.
So hopefully, we should see it corrected soon and back-dated to the account's opening date.
@WaldemarI actually lol when I saw the statement "Today I just got off the phone, and apparently, they will start reporting to the credit bureaus by the end of this month."
I have seen far too many similar statements for the last several months. Comenity's problem has been ongoing for so long it has passed the realm of seriousness. Along with the BY The end of THIS month and We Will start reporting in 2 Billing cycles statements they have been issuing out via phone and emails the credibility has been seriously eroded.
Whatever the difficulty has been it definitely has been on a massive scale and going into 6 Months/Half a year theres really no viable expectations currently when the issue will be resolved. We just have to wait until that magical day finally comes and not dwell on it.
Hopefully the issue is not impacting too many people and if it is they may have to try other measures to clear up their particular circumstances.
@undefined you should take advantge of that you can put more spend out that card and not have to worry about utilization reporting


@kberly69 wrote:Been waiting since June also for my Overstock card to update. I've called twice and both times I was told it should be rectified in a couple weeks. I emailed on 10/11 after it had been 6 weeks and nothing. This morning (13 days later) I finally got a reply:
I am with Comenity Capital Bank, which handles your credit card account. I'm here to help with your account needs. Thank you for reaching out to us. We apologize for any inconvenience you'veexperienced. I can appreciate your credit report is important to you. Because of a recent system upgrade, we have chosen not to report account updates to credit bureaus at this time. Rest assured, this is our top priority. We expect to provide an update to the credit reporting agencies within two billing cycles.
That's fine if they're not choosing to report at this time or whatever, but what they *are* currently reporting is inaccurate for MANY customers. That's illegal.