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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 recent credit checks (3) Presence of medium low fraud risk fcra verification indicators Lack of open revolving trades or lack of constant activity on revolving trades I tossed the letter to the side for about a week. There was no phone number to contact them of course. Today I called Experian and could not get anyone on the phone. I have access to my report and knew there was no fraud report and such on there. I did a little research and found a main number for comenity bank and was very lucky to get a really nice customer service rep on the phone. I explained to her the situation and she took my app number and pulled it up and compared. Basically I was turned down because the CRA did not have something as simple as ln ( as in lane) in my street address. So she processed it and approved it for $1000. Not as high as my SG Visa but I was happy it wasn't a wasted HP. And I am so happy I called. I couldn't believe how nice the rep was. It just seems crazy to me that they wouldn't just call me and verify the info before declining. So if anyone else gets denied with any of the Comenity cards - don't give up immediately. Oh and on a side note, they listed Experian in the letter as the CRA but there was absolutely no hard pull on Experian - only a soft. The hard pull was on Equifax. And, for all the cards I've done through the softs, they have all been on Equifax. So if anyone is having trouble with the cart trick, you should definitely check your addresses on EQ and make sure you are entering them exactly as they appear.

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.