@Creditaddict wrote:Ge Credit Solutions just told me that GE DOES NOT EVER provide credit scores with denial letters and they will not be issueing me a credit score regarding my denial with JCPenney even though they placed a HP on my TU credit report and if I wanted a credit score I should contact TU. I read him a letter from 4 days earlier from another GE backed card that was a completely different denial letter with actual full disclosure reasons AND TU Credit Score.
and he still told me they do not issue credit scores and he would not debate it with me or talk about the credit reform act!
ARE YOU KIDDING ME
Is that even legal?
@FinStar wrote:
CRICKETS!!! IMHO GE/Synchrony has not lived up to the hype I've read about. Granted, my JCPenney card has grown quite nicely, Walmart on the other hand. . . not at all!!!
Gardening Until Further NoticeJust received a call from SYNC EO office for my email about my call. I give it to them it's not even 8:30 AM and they called from my email last night.
She can't do much as far as the app since SYNC runs all apps by computers and my app wasn't held for verification it was simply denied because I have to many recent apps, despite being approved even more recently for other GE accounts, of course like many banks that back many different cards, each retailer has differences in what they accept in credit profiles and apparently JCPenney does not like lots of recent applications.
The reason I did not get a credit score was because I was simply denied for being over the internal max of recent applications for JCPenney underwriting so while they pulled my credit report, it was not based on credit.
I told her I found it odd that I could get $5k at Lowes and not even $150 at JCPenney but since it's simply the internal threshold that JCPenney set forth in underwriting criteria with you all and not my actual credit report or score I'm okay with it and since Sync does not review or 2nd look at applications or anything like that we are good.
She did go on to say they would be reviewing the phone call for to see what was said by reps and to retrain or take any action on incorrect information given or how they spoke with me 
that made me smile... +1 for SYNC today in how the EO office handled this in rocket speed!
@Creditaddict wrote:... I was simply denied for being over the internal max of recent applications for JCPenney underwriting...
This is scary!
I always feel like a stud in my JC Penny jacket
