Credit Ratings

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Credit Ratings

RATING AGENCY

HOLDING COMPANY CREDIT RATING – LONG TERM

OUTLOOK

Fitch

stable

Moody’s

Ba1

stable

S&P Global

BB-

positive

Investor Contacts

Brian Vereb and Susan Haugen
Investor Relations
investorrelations@breadfinancial.com

Media Contacts

Rachel Stultz
rachel.stultz@breadfinancial.com

Lindsey LeBerth
lindsey.leberth@breadfinancial.com

Looking for support with one of our products?

For the fastest way to handle your servicing needs or to file a complaint, please see the following:

Comenity Capital Bank customers: please visit BreadFinancial.com to find the phone number for your credit card or call the number on the back of your card
Bread Pay (Loans) customers: Visit your Member Portal
Bread Savings (Deposit) customers: 1-833-755-4354

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The information contained in the materials that may be accessed above speaks only as of the date on which such information was issued and Bread Financial undertakes no obligation to update or revise the information to reflect subsequent developments, new facts or for any other reason after the date on which such information is issued.

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