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Re: Synchrony/Care Credit Reporting both negative and positive

OP, which one is accurate? Did you have it charged off, or was it paid as agreed?

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Re: Synchrony/Care Credit Reporting both negative and positive

All my student loans have the same account number at each institution they were/are serviced by. There are still multiple accounts within their system that all report seperately.


The "good" account is the older one and the newer one is charged off one. Were you ever late prior to what the "negative" tradeline is listing?

EX08 659 EQ08 660 TU08 695 Starting: mid 300'sGoal: 700
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Re: Synchrony/Care Credit Reporting both negative and positive

I only received (1) card for this account. I never requested a replacement card.
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Valued Contributor
Posts: 1,675
Registered: ‎06-30-2016

Re: Synchrony/Care Credit Reporting both negative and positive

It's difficult to help you here when you aren't giving us all the information we need.


We understand you only had one account with them externally, but changes in your account can cause them to split it into separate accounts in their own system. This is not a basis for removal in it of itself.


Were you late during the times they indicitated you were late? Was the account charged off? Is it still unpaid? This is the information we see and can question the accuracy of.

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Re: Synchrony/Care Credit Reporting both negative and positive

Jayla127 wrote:

Just for clarification this is what the account is stating on my credit report:


                                               Equifax                                Transunion                                    Experian


Company:                              Syncb/Care Credit                 " " "                                              " " "

Date open:                             Sept 2012                              " " "                                              " " "

Status date:                           Feb. 2017                               " " "

Condition:                              Open                                       " " "                                             " " "

Last Activity:                          June, 2013                        Nov, 2013                                      Not available

Balance:                                $938                                    "   "  "                                                 " " "

Status:                                   Charge off                         Charged off as bad debt              Unpaid balance report as loss by credit grantor


LATE 90 plus days                27 times as of Feb 2017     None reported                            Collection




                                               Equifax                              Transunion                                 Experian


Company:                              Syncb/Care Credit                 " " "                                              " " "

Date open:                             July 2006                               " " "                                              " " "

Status date:                           Sept 2016                              " " "                                               " " "

Condition:                              Open                                      " " "                                               " " "

Last Activity:                          

Balance:                                $0                                          "   "  "                                             " " "

Status:                                   Pays account as agreed        "  "   "                                            " " "



Just need help with what to do with this?  I'm learning


If you actually do have a CO with them, I would be careful disputing it because you may find that you lose the "good tradeline" depending on it's history.  It's a 10 year old account and is helping you with AAOA etc.

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