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Comenity Sephora Decline

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Valued Member

Comenity Sephora Decline

 

Do they have a recon line?

Letter states if you have questions to contact them (by mail assuming) at address listed on sheet. What is that even going to achieve? Should I write them a letter telling them what I would tell them on the reconsideration line? ScreenShot MyFICO scores and email them pictures of them telling they have the wrong score?

 

I put in an application through the Sephora website in an attempt to do the whole shopping cart trick but it did not work I have a HP on EQ and finally recieved the denial letter. I’m absolutely distraught my denial letter states that my FICO score is 548 (8-23-19), and this is absolutely false I check my FICO ever month with this site and I haven’t had a score that low since January. MyFICO (here/this website) shows my score to be 631 and if I go into where it shows bank card FICO that’s a Score 8 @ 611, Score 5,4,2 @ 671 -(who uses this one?) Score 9 @ 608. I dont know what in the world to do. THEY ARE WRONG completely WRONG. I had applied to them because I do already have a comentiy card through Buckle was approved in store with a low $300 limit but I have impeccable payment history with them.

They state reasons for decline as:

Delinquent or derogatory account (yeah back in 2016 I had near death stopped paying)

Delinquent or derogatory status on accounts is too recent (new 3rd party collections listed most recent of 10-2018)

Lack of real estate secured loan information (you’ve got to be kidding me, it’s a credit card not a home, they’re just coming up with reasons)

too many delinquent or derogatory accounts (9 original charge offs and and the two recent 3rd party older one being 6-2018)

 

I was approved for my Buckle card back in February and have religiously paid in full every month.

I have a Discover secured $1000 Started 2-19 PIF monthly

Green Dot secured $200 3-19 PIF monthly (no credit check)

Green Dot platinum secured $200 3-19 PIF monthly (no credit check)

Self Lender $500 1 year 12-18 

BBVA secured $500/$450SL 2-19 PIF monthly (INQ 2-28-19 TU)

Comenity/Buckle revolving $300 3-19 PIF monthly

OpenSky/Capital Bank secured $200 3-19 PIF monthly (no credit check)

Applied Bank secured $200 3-19 PIF monthly (no credit check)

MJC since 12-19 kept active (ordered 2 payments product every 4 months) (INQ 12-31-18 EX)

Home Credit/Sprint revolving $500 4-18 PIF monthly

and I jut got on with NFCU and got their secured for $500 but not reporting yet. Same day as Sephora to make me feel better (INQ 8-23-19 TU)

American Honda Finance current/PAA $35k 12% started 3-18

American Honda Finance paid off 4-18 16% (young and stupid about interest/traded needed bigger)

Amercan Honda Finance paid off 2-16 (accident & GAP)

One Main Financial Paid off 2-17 started 2-15 1 late

Cap1 Auto paid off 1-16 (accident & GAP)

Conns paid off 8-14

Conns paid off 6-14

First Premier $700 PAA1-14 through 6-15 closed

Cap1/Best Buy $500PAA 1-13 through 6-13 closed (transfer to another company did not agree)

7 PAA student loan accounts because they issue a new loan every semester

Baddies are

Conns $2k+ no payments shows initiated 1-18 (disputed)

Sync/CarCare $400 CO 4-17 (disputed)

Sync/Amazon $1400 CO 3-17 (disputed)

Barclay $250 CO 6-17 (disputed)

Sync/Lowes CO 1-17 (disputed)

Kohls/Cap1 SL$300 reporting balance $608 CO 1-18 (disputed)

Sync/Walmart 2 Late 1-16& 2-16 Paid off 3-16

2 collections with PRA Kohls (disputed) and a Cap1 (disputed) ~$2500 card but no original company reporting.

5 Medical Bills reporting on Ex

 

What can I be doing better? Also Why AM I PAYING for myFICO if its giving me wrong information. I feel like i’m kind of busting my ass to improve my score and MyFICO shows its getting better which yay, but in reality, that 548 is lower than i started with MyFICO in January, and the 3 bureau report is Expensive AF every month!

Another thing is MyFICO on the little insights pull up in the app under EQ it shows 79% APAA 2 Collections Late pay 30+ and 60+ both at #7 but at the bottom where it shows Time Since Most Recent Late Payment it shows 1 month but go for bid it show me which account because the report doesn’t show me which account it is referring to either all the others TU TSMRLP 7 months and EX 1yr2 months.

I dont know how to fix this whole thing!



1-19 scores
1-20 scores

3-18HomeCredit/Sprint $500 unsecured
11-18 MyJewelersClub $5k CL
1-19 Discover $1k secured
1-19 Commenity $300 unsecured, CLI to $620 1-20
8-19 NFCU $500 secured
8-19 NFCU SSL $3k paid down to $233
NEW!!! 2-20 NFCU Cash Rewards $15k
12-18 Self Lender loan of $500 paid off early 9-19, now secured card @$250
2-18 Honda $46k refinanced with Cap1 12-19 at $36k
11 REPLIES 11
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Super Contributor

Re: Comenity Sephora Decline

With all the accounts listed


@AspiringDink1991 wrote:

 

Do they have a recon line?

Letter states if you have questions to contact them (by mail assuming) at address listed on sheet. What is that even going to achieve? Should I write them a letter telling them what I would tell them on the reconsideration line? ScreenShot MyFICO scores and email them pictures of them telling they have the wrong score?

 

I put in an application through the Sephora website in an attempt to do the whole shopping cart trick but it did not work I have a HP on EQ and finally recieved the denial letter. I’m absolutely distraught my denial letter states that my FICO score is 548 (8-23-19), and this is absolutely false I check my FICO ever month with this site and I haven’t had a score that low since January. MyFICO (here/this website) shows my score to be 631 and if I go into where it shows bank card FICO that’s a Score 8 @ 611, Score 5,4,2 @ 671 -(who uses this one?) Score 9 @ 608. I dont know what in the world to do. THEY ARE WRONG completely WRONG. I had applied to them because I do already have a comentiy card through Buckle was approved in store with a low $300 limit but I have impeccable payment history with them.

They state reasons for decline as:

Delinquent or derogatory account (yeah back in 2016 I had near death stopped paying)

Delinquent or derogatory status on accounts is too recent (new 3rd party collections listed most recent of 10-2018)

Lack of real estate secured loan information (you’ve got to be kidding me, it’s a credit card not a home, they’re just coming up with reasons)

too many delinquent or derogatory accounts (9 original charge offs and and the two recent 3rd party older one being 6-2018)

 

I was approved for my Buckle card back in February and have religiously paid in full every month.

I have a Discover secured $1000 Started 2-19 PIF monthly

Green Dot secured $200 3-19 PIF monthly (no credit check)

Green Dot platinum secured $200 3-19 PIF monthly (no credit check)

Self Lender $500 1 year 12-18 

BBVA secured $500/$450SL 2-19 PIF monthly (INQ 2-28-19 TU)

Comenity/Buckle revolving $300 3-19 PIF monthly

OpenSky/Capital Bank secured $200 3-19 PIF monthly (no credit check)

Applied Bank secured $200 3-19 PIF monthly (no credit check)

MJC since 12-19 kept active (ordered 2 payments product every 4 months) (INQ 12-31-18 EX)

Home Credit/Sprint revolving $500 4-18 PIF monthly

and I jut got on with NFCU and got their secured for $500 but not reporting yet. Same day as Sephora to make me feel better (INQ 8-23-19 TU)

American Honda Finance current/PAA $35k 12% started 3-18

American Honda Finance paid off 4-18 16% (young and stupid about interest/traded needed bigger)

Amercan Honda Finance paid off 2-16 (accident & GAP)

One Main Financial Paid off 2-17 started 2-15 1 late

Cap1 Auto paid off 1-16 (accident & GAP)

Conns paid off 8-14

Conns paid off 6-14

First Premier $700 PAA1-14 through 6-15 closed

Cap1/Best Buy $500PAA 1-13 through 6-13 closed (transfer to another company did not agree)

7 PAA student loan accounts because they issue a new loan every semester

Baddies are

Conns $2k+ no payments shows initiated 1-18 (disputed)

Sync/CarCare $400 CO 4-17 (disputed)

Sync/Amazon $1400 CO 3-17 (disputed)

Barclay $250 CO 6-17 (disputed)

Sync/Lowes CO 1-17 (disputed)

Kohls/Cap1 SL$300 reporting balance $608 CO 1-18 (disputed)

Sync/Walmart 2 Late 1-16& 2-16 Paid off 3-16

2 collections with PRA Kohls (disputed) and a Cap1 (disputed) ~$2500 card but no original company reporting.

5 Medical Bills reporting on Ex

 

What can I be doing better? Also Why AM I PAYING for myFICO if its giving me wrong information. I feel like i’m kind of busting my ass to improve my score and MyFICO shows its getting better which yay, but in reality, that 548 is lower than i started with MyFICO in January, and the 3 bureau report is Expensive AF every month!

Another thing is MyFICO on the little insights pull up in the app under EQ it shows 79% APAA 2 Collections Late pay 30+ and 60+ both at #7 but at the bottom where it shows Time Since Most Recent Late Payment it shows 1 month but go for bid it show me which account because the report doesn’t show me which account it is referring to either all the others TU TSMRLP 7 months and EX 1yr2 months.

I dont know how to fix this whole thing!


Check the letter and see which FICO score they used. Theres many versions. Depends which ones they used. But I will say this. Stop apping. If I counted correctly you opened 10 accounts this year. 13 in the past year. This needs to stop and let things grow. More credit doesnt mean higher scores. Seen it many times on here. This could become a disaster in the making. Be glad you werent approved. You dont need any more cards/credit. Best advice is not to apply until 2021 for anything else. All these accounts need to grow and the the inq's need to age and fall off. So your denial was a blessing in disguise. Hit the brakes and enjoy what you got. I'm not jumping on your case. But once you start to recover from one new card. You get hit again with another new account from another app. Your scores cant grow from apping over and over again. Good Luck!

Message 2 of 12
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Valued Member

Re: Comenity Sephora Decline

I apologize for any confusion I may have caused, I’ll clarify here

 

Ive only opened 9 CC in 2019 in 2018 Iv’e only opened 1CC and 2 loans unless for some reason the baddies are being included which dates listed on those are dates of Charge Off.

 

as for new accounts as you mention “recovering from one new card” I have a guaranteed new account on my credit report every January and August guaranteed due to school loans, and will be in college for many years to come. So I feel like this is a time where worrying about not getting new accounts so that my time since most recently opened account grows longer. That’s just something that plain and simple will not happen at all as that clock is reset every 6 months.

 

I got so many accounts because I had 14 negative accounts and i’ts my understanding that in order to improve your % of accounts always paid on time I will have to flood my report with positive accounts.

 

Like adding water to oil in a fish tank. I started with nothing but oil (cant have any fish), and adding good accounts is like adding water. The more water I have the less harmul to the quality of water from the oil. It waters it down. The more water I have then I can get a fish.

 

As for the exact type of FICO used the letter does not list this only the Equifax was used

The letter states

”Your credit Score as of Aug 23, 2019

In the scoring system we used, scores can range from 300 to the best possible score, 850. Please be aware, there are a number of different credit scoring systems available, and each uses a different range of numbers. 

Here are the most significant factors in determining your score:

Delinquent or derogatory account

Delinquent or derogatory status on accounts is too recent

Lack of real estate secured loan information

Too many delinquent or derogatory accounts.

If you feel the information shown above is in accurate, we encourage you to contact the first credit bureau listed in this letter. They will be able to provide you answers about your credit history and how to correct any inaccuracies.”



1-19 scores
1-20 scores

3-18HomeCredit/Sprint $500 unsecured
11-18 MyJewelersClub $5k CL
1-19 Discover $1k secured
1-19 Commenity $300 unsecured, CLI to $620 1-20
8-19 NFCU $500 secured
8-19 NFCU SSL $3k paid down to $233
NEW!!! 2-20 NFCU Cash Rewards $15k
12-18 Self Lender loan of $500 paid off early 9-19, now secured card @$250
2-18 Honda $46k refinanced with Cap1 12-19 at $36k
Message 3 of 12
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Super Contributor

Re: Comenity Sephora Decline


@AspiringDink1991 wrote:

I apologize for any confusion I may have caused, I’ll clarify here

 

Ive only opened 9 CC in 2019 in 2018 Iv’e only opened 1CC and 2 loans unless for some reason the baddies are being included which dates listed on those are dates of Charge Off.

 

as for new accounts as you mention “recovering from one new card” I have a guaranteed new account on my credit report every January and August guaranteed due to school loans, and will be in college for many years to come. So I feel like this is a time where worrying about not getting new accounts so that my time since most recently opened account grows longer. That’s just something that plain and simple will not happen at all as that clock is reset every 6 months.

 

I got so many accounts because I had 14 negative accounts and i’ts my understanding that in order to improve your % of accounts always paid on time I will have to flood my report with positive accounts. This is not true. Nor is the percentage some websites say that your payment history is 90 something percent. More postives dont erase the negatives. Wish it worked that way. But it doesnt.

 

Like adding water to oil in a fish tank. I started with nothing but oil (cant have any fish), and adding good accounts is like adding water. The more water I have the less harmul to the quality of water from the oil. It waters it down. The more water I have then I can get a fish. Same applies above.

 

As for the exact type of FICO used the letter does not list this only the Equifax was used

The letter states

”Your credit Score as of Aug 23, 2019

In the scoring system we used, scores can range from 300 to the best possible score, 850. Please be aware, there are a number of different credit scoring systems available, and each uses a different range of numbers. 

Here are the most significant factors in determining your score:

Delinquent or derogatory account

Delinquent or derogatory status on accounts is too recent

Lack of real estate secured loan information This is a blah blah blah comment

Too many delinquent or derogatory accounts.

If you feel the information shown above is in accurate, we encourage you to contact the first credit bureau listed in this letter. They will be able to provide you answers about your credit history and how to correct any inaccuracies.”


If you want to know which score they used. Just call and ask. Since you say you'll have auto student loans bi-yearly. This is even more of an incentive not to app as I said in the earlier post. More accounts, more hits to your youngest account (AoYA), more hits to your avreage age of accounts. (AAoA). The cycle keeps going. I feel I gave you the best advice possible. It was a sign from your denial to hold off as I stated for any more cards. I only give advise. Not lectures. Just trying to CYA so all these accounts can help grow your scores. Which they will in time. Only way to do that is enjoy what you were approved for. Use them wisely. Dont charge what you cant pay for. Let time be your best friend. Thats about it in a nut shell. The choice is yours either way. You come for help. Thats what we'll give you. Its up the the poster if they want to accept our advice or not. I wish you the best man. Play the game right and you will come out on top.

Message 4 of 12
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Community Leader
Senior Contributor

Re: Comenity Sephora Decline

@AspiringDink1991 

 

@FiresOut  has given you excellent advice, we can only offer our insight and offer suggestions, it's of course up to you on how you proceed. .

EXP 758 TU 783 EQ 729
Message 5 of 12
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Valued Contributor

Re: Comenity Sephora Decline

Why are you disputing the charge offs? If they are yours they will not go away by disputing them. You need to pay them.  Pursue a pay for delete strategy. Even if you don’t get a PFD you need to pay them so they stop updating. Your score willl not go up much with all those CO constantly updating monthly. Which they will do until paid.

Message 6 of 12
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Frequent Contributor

Re: Comenity Sephora Decline

Time is the great healer. You need to give yourself more time. Amazing things will happen.

 

I am very impatient and if I could, I would have many more credit cards than I do now. I'd have more than you have! My scores were in the mid 500s less than a year ago, and now they're in the mid-600s. Settling some debt and negotiating for lower interest payments have stopped the negatives, but I'm still dealing with a nasty 90-day-late (which will haunt me for 7 years) and high utilization. Those will be with me for a while. But still, my score has gone up and I'm starting to get in with some great banks. TIME is what did that. I struggle to wait, but yet know that waiting is what is best.

 

You need to hate to waste inquiries. Every card you apply for from now on should do something for you, whether it be through some sort of discount, low interest, something. You have more than enough cards that will help establish a good payment history, yadda yadda. You don't need any more of those kinds of cards. Let them all age and focus on your baddies. Once your baddies are addressed, then you can sit back as your score goes up and wait as you start to get those sweet, sweet preapprovals for cashback and rewards cards. Heart

 

 

FICO8: Nov 20, 2018:
FICO8: Nov 20, 2019:
FICO8: Sep 21, 2020:
Goal for December 2019: FICO8 640-700 (reached! Fico 681!)
Goal for December 2020: FICO8 685-710
Overstock Store Card, $2,250Walmart Store Card, $500 limitDiscover IT Cash Back, $2000Navy Fed cashRewards, $2000Shell Citi store card, $800Navy More Rewards, $17,000AMEX Cash Magnet, $1000Citizens Bank, $2,800Amazon Prime Store Card, 1700Cap1 QS, $1000FBNO Visa, $1600RIP Green Dot Platinum
Overstock $7,750, Walmart $500, Discover IT Cash Back $2400, Navy Fed cashRewards $2000, Shell (Citi) Fuel Rewards $800, Navy More Rewards $17,000, AMEX Cash Magnet $1000, Citizens Bank Cash Back $2,800, Amazon Store Card $1700, Cap1 QS $1000, FBNO Visa $1600, (RIP Green Dot Platinum Secured)

Starting Score: 539
Current Score: 684
Goal Score: 760


Take the myFICO Fitness Challenge   |   My credit recovery journal

Message 7 of 12
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New Member

Re: Comenity Sephora Decline

Well said and explained !!! Personally I take advise from people who have high 700+ scores to the 800's. They got there for a reason !!!

Message 8 of 12
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Valued Contributor

Re: Comenity Sephora Decline


@Litepinkcandy wrote:

Well said and explained !!! Personally I take advise from people who have high 700+ scores to the 800's. They got there for a reason !!!


I dont find this true at all. For someone rebuilding, they should turn to people with experience that have climbed up from the depths of bad credit and now have better credit or on the road to better credit. They know how to navigate things way better than someone that just turned 18 and was an AU half their lives on their parents cards and have never made a payment in their life and have a 778 could ever offer. Just saying: scores arent everything. Real world experience and help to get one where you need to get is what is most important. Perfect credit history is of little assistance to someone that needs guidance with CAs, COs, and the likes.




Starting Score: 2•20 | EQ 550 | TU 498 | EX 505
Current Score: 8•20 | EQ [F8 614] [F9 671] [EQ5 641] [VS3 660] | TU [F8 575] [F9 555] [TU4 537] [VS3 643] | EX [F8 593] [F9 583] [EX2 614] [VS3 629]
Goal Score: 680


Take the myFICO Fitness Challenge

SO Starting Score: 2•20 | EQ 502 | TU 484 | EX 521
SO Current Score: 8•20 | EQ [F8 620] [F9 574] [EQ5 645] [VS3 615] | TU [F8 620] [F9 605] [TU4 596] [VS3 621] [VS4 629] | EX [F8 644] [F9 623] [EX2 621] [VS3 613]
Goal Score: 680


Take the myFICO Fitness Challenge



Message 9 of 12
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Super Contributor

Re: Comenity Sephora Decline


@Litepinkcandy wrote:

Well said and explained !!! Personally I take advise from people who have high 700+ scores to the 800's. They got there for a reason !!!


And these folks have old accounts over 25 yrs old and AAoA's probably over 10-15 yrs old. It isnt from fresh rebuilds. Its thick long term accounts. I'd be in the 800's if I didnt have a BK. But it doesnt mean a thing. 760's is just as good as a 800 score. Some banks dont like scores too high. It could crash at any moment. People get denied for Cap1's Savor with 750+ scores. So score isnt the answer to all fixes.

Message 10 of 12
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