Frank Kearney
Offline
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Upload & Sell: On
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I have been to the mountaintop and here is the deal:
1. You must have unfrozen your credit report from Experian, Transunion and Equifax. You should also check the other two mentioned - Lexis and Innovis - which I did but I do not have a frozen report there.
2. If you are rejected, you must wait for the letter from Comenity, (7 days or so) and then wait 24 days from the date of the rejection letter to reapply. If you reapply too early (I did) the whole process starts over and again you must wait until the date of the (2nd) rejection letter to reapply. This could go on for years unless you just forget about it and then realize a month has passed (2 for me) and then re-apply.
3. Contact each of the big three and unlock your report. I did so for 5 days even though they say they will check within the hour. Once all three are unlocked, check the other two and see if you have a freeze there which you must unfreeze. I did not.
4. Wait 24 hours because whatever can go wrong will and you have 5 days.
5. reapply. I did so and when I hit enter the little wheel thing spun for a while and then: SUCCESS!!... "Frank you have been approved" and for a lot larger credit line than I asked for; and no letters.
6. It doesn't matter who is right or who is wrong, it's who is in control, and Comenity is in control. You have to do it their way.
When I applied with Synchrony the experience was completely different. I applied and 10 minutes later got a phone call from a woman who said I needed to unlock my credit and she would help me. She did so and it was all done in 5 minutes. Because of that experience I let my guard down with Comenity and didn't read the application tome B&H has online and I won the freeze prize - twice.
As stated above, B&H do have all the pertinent info online and they are a mite techy if you call them out on the problems you are having, and I get it - When all else fails read the instructions - but it really is a whole lot different with these Comenity people. And they are required by law to send you a letter as to why you were not approved - email won't work - but Synchrony were a whole lot more customer savvy, and if you don't like the way it works see note 6. above.
B&H eating the sales tax is a game changer for me. The whole sales tax thing really bothers me but rule 6 applies again. So when I go to Amazon and see the price is the same as B&H I am buying from B&H because they are absolutely going to cost me less money, they pay shipping to get to me in NC, and I usually get it in 2 days - and no "Prime" membership needed.
I don't know why B&H changed horses in mid stream but it must have been big, because they are sharp business people, but still I think I would have expected lots of people like me would be applying and I would have but up a big red sign on the front with an asterisk stating - *MAKE SURE YOUR CREDIT REPORT IS UNFROZEN OR YOU WILL HAVE TO WAIT 30 DAYS TO REAPPLY. Expecting customers to read and understand the rules is completely unreasonable.
On the plus side, your capital expenditures for unnecessary and expensive camera gear will plummet while you are in freeze limbo.
See Henry! I told you it wasn't just me!!
Cheers!
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