{"schema_version":"secwatch.filing_event.v1","accession":"0001139552-26-000003","form_type":"8-K","ticker":null,"cik":"0001139552","company_name":"WFN CREDIT CO LLC","filed_at":"2026-01-05T23:59:59+00:00","discovered_at":"2026-05-14T18:02:34.608967+00:00","generated_at":"2026-05-16T11:38:04.004084+00:00","sec_items":["1.01","9.01"],"event_type":"other_material","sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"confidence":"low","headline":"Comenity Bank amends service agreement performance standards effective Jan 1, 2026","bullets":["Comenity Bank and Comenity Servicing entered Fifth Addendum to Sixth Amended and Restated Service Agreement.","Voice connectivity availability performance standard amended to 99.57% (monthly measurement).","Two new performance standards added: VCC Chat availability 99.99% and Five9 IVA availability 99.99%, both monthly.","All other terms of the original agreement remain unchanged."],"urls":{"canonical":"https://secwatch.observer/filing/0001139552-26-000003","json":"https://secwatch.observer/filing/0001139552-26-000003.json","markdown":"https://secwatch.observer/filing/0001139552-26-000003.md","text":"https://secwatch.observer/filing/0001139552-26-000003.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1139552/000113955226000003/0001139552-26-000003-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1139552/000113955226000003/a01-01x26wfnform8xkxfiftha.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T11:38:04.004084+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"89c7708556f5a4a3d251243c1f1e6a203903cbe0","claim":"WFN CREDIT CO LLC amended Fifth Addendum with Comenity Servicing LLC (effective 2026-01-01).","evidence_excerpt":"On January 1, 2026, Comenity Bank (“Bank”) and Comenity Servicing LLC (“CSERV”) entered into the Fifth Addendum (“Fifth Addendum”) to that certain Sixth Amended and Restated Service Agreement, dated as of January 1, 2025, pursuant to which CSERV provides certain services to Bank","evidence_source":"SEC 8-K Item 1.01/1.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1139552/000113955226000003/0001139552-26-000003-index.htm","confidence":0.9,"family_label":"Material Agreements","details":[{"label":"Action","value":"amendment"},{"label":"Counterparty","value":"Comenity Servicing LLC"},{"label":"Effective","value":"2026-01-01"}],"fact_type":"material_agreement"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}