Bogdan Roberts, Credit Cards Moderator
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Comenity Bank uses all three major credit card bureaus (TransUnion, Experian, Equifax) for credit card approval. So, if any of your credit reports are frozen, you should unfreeze them before submitting an application for one of Comenity's credit cards.
Also, keep in mind that applying for a credit card can trigger a hard inquiry on your credit report, which may cause a temporary dip in your credit score. To get a better sense of your approval odds, you can check your credit score for free, right here on WalletHub.
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