topic Re: Synchrony Bank In-Store CRA HP? in Credit Card Applications

UPDATE: Synchrony Bank In-Store CRA HP?

Anonymous — Thu, 01 Mar 2018 16:04:35 GMT

To follow up from another thread...what CRA does Synchrony Bank HP for in-store applications? Thanks!

UPDATE: My Synchrony in-store application was approved... and it is indeed a TU HP (I'm in Upstate NY).

Re: Synchrony Bank In-Store CRA HP?

Anonymous — Tue, 27 Feb 2018 14:47:45 GMT

SYNC pull TransUnion.

Re: Synchrony Bank In-Store CRA HP?

Anonymous — Tue, 27 Feb 2018 16:30:09 GMT

Okay, Synchrony Bank is TU HP regardless of whether or not the application is online or in-store?

I thought I read on another thread where Synchrony in-store HPs deviated from the online TU HP.

Re: Synchrony Bank In-Store CRA HP?

Anonymous — Tue, 27 Feb 2018 17:24:27 GMT

@Anonymouswrote:
Okay, Synchrony Bank is TU HP regardless of whether or not the application is online or in-store?

I thought I read on another thread where Synchrony in-store HPs deviated from the online TU HP.

They mainly pull TU but what CRA is pulled for you is dependant on your state. Once a while, synchrony deviates from the norm so very hard to predict.

Re: Synchrony Bank In-Store CRA HP?

AverageJoesCredit — Wed, 28 Feb 2018 00:55:36 GMT

What Yes Its Me stated. Sync likes to pull TU but there are various posts showing Ex or Eq pulled. Hope for one prepare for any

Re: Synchrony Bank In-Store CRA HP?

Anonymous — Wed, 28 Feb 2018 01:11:30 GMT

When I applied in store for Walmart and the Gap around Christmas, they pulled EX for both. I was SHOCKED to say the least and denied to boot!

Re: Synchrony Bank In-Store CRA HP?

Anonymous — Wed, 28 Feb 2018 21:35:55 GMT

TU in Michigan for JCP, July, 2016.

Re: UPDATE: Synchrony Bank In-Store CRA HP?

Anonymous — Thu, 01 Mar 2018 16:05:33 GMT

UPDATE: My Synchrony in-store application was approved... and it is indeed a TU HP (I'm in Upstate NY).

Thanks to all who chimed in!