Many factors affect your FICO Scores and the interest rates you may receive. Equifax Credit Report is a trademark of Equifax, Inc. Learn moreįICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Your lender or insurer may use a different FICO ® Score than the versions you receive from myFICO, or another type of credit score altogether. All rights reserved.Īll FICO ® Score products made available on include a FICO ® Score 8, and may include additional FICO ® Score versions. If the guy told me on the phone AFTER i verified things with him that I'm getting another letter.It was declined.Ĭopyright ©2001- Fair Isaac Corporation. I was either instantly approved online, or got the verification letter and then approved. This has happened to me anytime I applied for a card from Comenity. So.if you got verified on the phone AFTER you got the letter to call in after applying, and they said wait for another letter.Im gonna say its probably denied. Its usually approved or not approved with Comenity, and there is NO recon with them. ( sometimes, maybe a 5% chance that after your verification, they sent it for review, and you might get the card in the mail.) This is rare. Verify you, and then say you'll get a letter with the decision. Verify you, and then tell you that you'll receive a letter with the decision. Verififed, and they approve you on the spot, and tell you your limit.Ģ). After calling in for verification from the letter you got it usually goes like this:ġ). If thats the case, one of two things happens, sometimes three. Did you already receive the verification letter, and you called in?
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