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Synchrony's denial reason leaves me scratching my head.

Contributor

Synchrony's denial reason leaves me scratching my head.

Applied for Sams Club CC for the third and likely final time now. Once again denied.

First denial letter stated no credit history. Fair enough, that was mostly true.

Second denial: Credit file too new, balances on revolving accounts too high. Ok I can accept this, at the time I had only a cap one spark classic and a BJ's Wholesale MC. Both were near credit limit while I waited to get paid on a rather large project.

Just applied again a couple of weeks ago. Rec'd my letter today. "Deragotory non-financial obligations". Do what??!! Can anyone explain this one to me? Seems like they just don't like my profile and are pulling crap out of thin air.

Maybe I should pull my business credit file. Can anyone explain how to go about this?
2 REPLIES
Moderator

Re: Synchrony's denial reason leaves me scratching my head.

Experian is a good place to get yor business report.  At bottom of this page

 

http://www.experian.com/small-business/business-credit-reports.jsp

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Valued Contributor

Re: Synchrony's denial reason leaves me scratching my head.

Irish - Anywhere free to check? EX wants $40 for one report...
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