Shoppers Help Center

Bread may report repayment information to consumer reporting agencies.

No, prepaid mobile phone numbers cannot be used as the primary account phone number with the application process and servicing of Bread Products.

We work with our bank affiliate, Comenity Capital Bank, who determines eligibility by reviewing factors such as your credit score and repayment history.

Bread® is a pay-over-time technology solution that helps people make purchases with easy-to-understand payments through its affiliated bank, Comenity Capital Bank. Bread is now expanding its pay-over-time solution to include debt consolidation loans made by Comenity Capital Bank.

You will not be able to adjust your loan terms after you have accepted them.

Each payment plan is a separate loan and cannot be consolidated.

To ensure the security of your information, we only provide your account information directly to you unless we receive your verbal consent to disclose information to a third party. We can provide account information to your authorized power of attorney if you need ongoing support in managing your account.

Please call our Member Support team here to authorize a third party or verify your account information via conference call.

Protecting the security and integrity of your credit application is important to us. Sometimes we need additional information to verify your identity. In these cases, we ask for photos of the front and back of an identity document — either your US Driver’s License or US state ID — to verify that you are who you say you are. This helps to protect your application from fraud and helps to comply with regulatory requirements.

Checking your eligibility does not affect your credit score.

Once you take out a loan, Bread may report repayment information about your loan to the consumer reporting agencies.

Yes, Bread may report repayment information to consumer reporting agencies.

To dispute information Bread reported to a credit bureau, you should file a dispute with the credit bureau where you observed the information you believe is inaccurate.

Please contact the credit bureau(s) where you requested a credit freeze to request they lift the freeze. Once lifted, you can return to complete your Bread application.

You can use any digital camera or phone that has a camera to take a photo of your US Driver’s License or US State ID. After placing the identity document on a dark, flat surface, check that your document is free from any shadows or glare. When framing the photo, make sure the entire document is visible and that everything is in focus.

If you are uploading your document on your mobile device with a camera, you can take a photo of your ID document using that device’s camera. If you are using a desktop computer, we recommend taking the photo using a separate digital camera, and then uploading the images to your desktop computer.