topic Re: Synchrony using a SP from almost three months ago :/ in Credit Card Applications

Synchrony using a SP from almost three months ago :/

DeeBee78 — Sun, 05 Feb 2017 02:06:00 GMT

Recently asked for a CLI on my Amazon store card, and was denied. I got the letter today and under the date of the credit report it said November 17, 2016.

If I call Credit Solutions tomorrow, will they do a fresh SP, or go back to this three month old one? I've paid off quite a bit of debt since then, and only have a small balance reporting on two of my cards. -$386 on QS and $9.99 on my BBR.

Re: Synchrony using a SP from almost three months ago :/

Anonymous — Sun, 05 Feb 2017 02:08:28 GMT

I suggest you wait till around the 17th or later until they do another soft pull. Even if you request they do a soft pull, they are likely going to just use the old report. So if you can wait, I suggest you do so.

Re: Synchrony using a SP from almost three months ago :/

AverageJoesCredit — Sun, 05 Feb 2017 02:11:23 GMT

Yeah i feel they use your last updated report so id wait til you see your newest updated Fico from Amazon, then call CS.

Re: Synchrony using a SP from almost three months ago :/

Anonymous — Sun, 05 Feb 2017 03:24:28 GMT

In my experience calling CS is a soft pull from that date. I've compared when going online and the letter reflects an old score versus a letter after calling CS and it's the day I called.

Re: Synchrony using a SP from almost three months ago :/

Anonymous — Sun, 05 Feb 2017 17:04:45 GMT

@DeeBee78 wrote:
Recently asked for a CLI on my Amazon store card, and was denied. I got the letter today and under the date of the credit report it said November 17, 2016.

If I call Credit Solutions tomorrow, will they do a fresh SP, or go back to this three month old one? I've paid off quite a bit of debt since then, and only have a small balance reporting on two of my cards. -$386 on QS and $9.99 on my BBR.

Hi DeeBee78.

What is your current TU score? You know Synchrony bank has those tiers for their cards. I've been stuck at $6k on Amazon for well over a year since I haven't been able to get my TU over 720.

Hope phone call goes good tomorrow with them. Keep up updated.

Re: Synchrony using a SP from almost three months ago :/

Anonymous — Sun, 05 Feb 2017 17:23:11 GMT

The force update trick might help in this case go into your profile settings and change your address to street instead of ST. and so on

Re: Synchrony using a SP from almost three months ago :/

DeeBee78 — Sun, 05 Feb 2017 20:48:11 GMT

I just did a TU backdoor look and Synchrony SP'd me on 1/31/17. I wish I could remember the exact day I requested a CLI

Re: Synchrony using a SP from almost three months ago :/

DeeBee78 — Sun, 05 Feb 2017 20:50:01 GMT

@Anonymous wrote:
@DeeBee78 wrote:
Recently asked for a CLI on my Amazon store card, and was denied. I got the letter today and under the date of the credit report it said November 17, 2016.

If I call Credit Solutions tomorrow, will they do a fresh SP, or go back to this three month old one? I've paid off quite a bit of debt since then, and only have a small balance reporting on two of my cards. -$386 on QS and $9.99 on my BBR.
Hi DeeBee78.

What is your current TU score? You know Synchrony bank has those tiers for their cards. I've been stuck at $6k on Amazon for well over a year since I haven't been able to get my TU over 720.

Hope phone call goes good tomorrow with them. Keep up updated.

767 according to MyFICO, but I know it's a couple of points lower than that- I just took a HP for a BoA CLI on Friday, and MyFICO *still* hasn't reported it. Creditwise from Capital One sent me an email while the CLI request was still processing.

Re: Synchrony using a SP from almost three months ago :/

UncleB — Mon, 06 Feb 2017 20:13:52 GMT

I had the same thing happen last summer with Lowe's... when I tried for a CLI online they turned me down due to something that I knew had recently dropped off my credit reports; the letter also stated the denial was due to a report from several months previous.

When I called Credit Solutions they put me on hold for a couple of minutes to do a new SP, and when the CSR returned he approved my request in full. (You can read about my experience here.)

There's certainly no harm in giving CS a try... if it were me I would if for no other reason you won't have to be concerned about it for a while (regardless of the outcome).

Good luck!

Re: Synchrony using a SP from almost three months ago :/

Anonymous — Mon, 06 Feb 2017 21:55:26 GMT

@UncleB wrote:
I had the same thing happen last summer with Lowe's... when I tried for a CLI online they turned me down due to something that I knew had recently dropped off my credit reports; the letter also stated the denial was due to a report from several months previous.

When I called Credit Solutions they put me on hold for a couple of minutes to do a new SP, and when the CSR returned he approved my request in full. (You can read about my experience here.)

There's certainly no harm in giving CS a try... if it were me I would if for no other reason you won't have to be concerned about it for a while (regardless of the outcome).

Good luck!

Good advice!

Re: Synchrony using a SP from almost three months ago :/

DeeBee78 — Mon, 06 Feb 2017 22:22:29 GMT

@UncleB wrote:
I had the same thing happen last summer with Lowe's... when I tried for a CLI online they turned me down due to something that I knew had recently dropped off my credit reports; the letter also stated the denial was due to a report from several months previous.

When I called Credit Solutions they put me on hold for a couple of minutes to do a new SP, and when the CSR returned he approved my request in full. (You can read about my experience here.)

There's certainly no harm in giving CS a try... if it were me I would if for no other reason you won't have to be concerned about it for a while (regardless of the outcome).

Good luck!

Thanks UncleB,

I'll give them a call later this week. I don't know why I'm having such trouble obtaining CLI's and new tradelines right now :/