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Found 13 results

  1. Has anyone yet applied for the BJ's Perks MasterCard from Comenity? You need to be a member of BJ's wholesale club (locations mainly in the Northeast section of USA) I'm curious as to the credit bureau pulled and the credit lines being assigned on the consumer card. Apply online at: https://www.bjs.com/webapp/wcs/stores/servlet/CobrandedPerk?storeId=10201
  2. Hello All, After reading (Why Chat), and reading(Psyc Doc), and reading... I am still confused as to HOW to attack recent lates. I am hoping (Please show mercy!) that you all can help point me in the right direction. I have three cards with Comenity. All three went late at the end of last year/ beginning of this year because of unexpected medical expences that could not be avoided... I have made things right by paying down/catching up on payments. I am now current on these accounts, however the lates are glaring on my report. The three cards are listed as below: Victorias Secret
  3. Hey gang. Any thoughts on this? I opened a new Paypal account and I guess Bill Me Later/Comenity Bank decided to go ahead and open an account in my name without me wanting or requesting an account be opened. I was alerted by my monitoring service about an inquiry this AM. I'm sure they had some checked box in some unconscious place on the page where it shows that I wanted to apply for this service. I can't get back to that part of the sign up page to check because you have to open a new account with credit card info and Im not doing that again. Anyway, after finding the number to call to
  4. So I was trying out the 'shopping cart trick' to see which ones would offer me a pre-approval at checkout. I have not accepted any yet. On Victoria's Secret, the pre-approval was $500. On OneStopPlus, the pre-approval was $750. I would have thought since all were based on soft-pulls and all are issued by same bank, the limits would be the same? I can understand a higher opening limit if I was looking at Value City Furniture or maybe Sportsmens, as they sell so many large ticket items. I will definitely go for the Victoria's Secret I think, as that would be one I could rea
  5. I can't get the shopping cart trick to work under my wife married name while on sportsman guide but it works fine under the maiden name. The other comenity cards will take both married and maiden names for "shopping cart trick" and the pre approvals pop up every time on both names. Is it worth the hard pull to apply under the married name? I tried checking the back door for soft pulls but she's locked out of experian and transunion equifax fico 627 tranunion fico 641 experian fico?
  6. I have looked through a lot of topics, and cannot seem to find out whether Bill Me Later is a soft pull or not. I received an e-mail saying that I have been given a special offer of credit, and has given me a button to apply. I do not want a hard pull, does anyone have experience with this?
  7. I obtained a J.Crew Credit Card Account pre-approval through the shopping cart method on 01/13/14. On 02/14/14 I hit the luv button requesting a CLI. I got the 7-10 day message and later received a decline letter giving me my internal Equifax credit score as of 01/13/14. So I hit the luv button again on 03/23/14 and got the 7-10 day message. Today I received the decline letter and it again gave me my internal Equifax credit score as of 01/13/14. So, on neither of my luv button presses was a new inquiry made to the CRA. They went back and used the same report/score from the original sof
  8. Hi everyone! Many thanks to this board. I have a few of the comenity store cards and recently got the Sportsman Guide Visa (all through soft pulls). I decided to apply for the Ann Taylor Mastercard and got the dreaded 7 to 10 day message. I waited and finally got the letter and it was a denial and I was kind of confused as it said I had a fraud risk score of 796 out of 999. (I don't know what this scoring model means) The reasons listed were just as confusing. Low level of verification (inconsistency of info provided from consumer as to what is found by credit bureau Too many recen
  9. So I've been aggressively rebuilding since ch7 discharge back in October 2012. Obtained a Credit One Visa as my first card post ch7 back in November 2012 and it includes the free credit score. Currently about 15k in various credit lines and a 30k auto loan. Anyway, I purchased my actual FICO from Equifax on 12/30/13 which has me at a 650. Today I received an alert from Credit One that my credit score has been updated and I log in and it has me at 643. I know they use Experian for scores but is this a Experian FICO or some other type of internal score? I know the Eq FICO is the one to focus
  10. What should I do next? Progress detail below....... OC has been reporting CO and a remaining balace of $22 every month since 2007. This acct was settled for less than payoff on 2/2009. I called them explaning that this is wrong and that they should not be continuously reporting this every month because this was a settled CO. This acct is so old, they could not find proof of settlement nor do I have a copy either. So, the rep saw where the acct had been sold to a CA and directed me to pay the $22 remaining or call the CA and take it up with them. I politley requested to escalate the call fo
  11. Just received this in an email... Thank you for using PC Mall Preferred Account. We appreciate your business and look forward to an ongoing relationship. This letter is advising you of some changes impacting your PC Mall Preferred Account . There will be no change to your current APR or Fees. Effective August 29, 2013: 1. The Lender will change as follows: As of the Effective Date, Comenity Capital Bank, Salt Lake City, Utah, will become the Lender for the PC Mall Preferred Account . WebBank, Salt Lake City, Utah, will no longer be the Lender. Bill Me Later, Inc. will continue to se
  12. Or better yet how long does it usually take them to start reporting? And, what's their time frame for auto cli, if at all? Thanks.
  13. I got my Sportsman's Guide card today in the mail and set-up online access. I see there is a luv button. Does anyone know if the luv button is a hard or soft pull? How often can one go to the well? Do they do auto CLI's? Thanks!
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