topic Re: Synchrony is DOUBLE PULLING__ TU and EX in Credit Card Applications

Synchrony is DOUBLE PULLING__ TU and EX + SageStream/Innovis

toi34 — Mon, 22 Feb 2021 02:24:49 GMT

Just an FYI: I unlocked TU to apply for Amazon and Chevron but Synchrony pulled EX too, it was a double pull of TU and EX. I was declined because my EX was locked. I'm going to unlock EX and recon.

Re: Synchrony is DOUBLE PULLING__ TU and EX

Anonymous — Wed, 17 Feb 2021 00:14:25 GMT

Yes yesterday they only pulled experian for dw ebay mastercard.

Re: Synchrony is DOUBLE PULLING__ TU and EX

FinStar — Wed, 17 Feb 2021 00:37:05 GMT

@toi34 wrote:
Just an FYI: I unlocked TU to apply for Amazon and Chevron but Synchrony pulled EX too, it was a double pull of TU and EX. I was declined because my EX was locked. I'm going to unlock EX and recon.

Not sure if they'd ve willing to reconsider if any CRs are/were locked (even SageStream/Innovis), but who knows. They have been known for double or triple pulls as of late in a variety of cases. When I applied for Verizon Visa and PayPal 2% MC last year, I was double-pulled.

Hopefully, you can provide an update on this thread depending how things go @toi34.

Re: Synchrony is DOUBLE PULLING__ TU and EX

CreditMagic7 — Wed, 17 Feb 2021 04:09:41 GMT

By all means yes, keep this thread updated on any progress.

I have had great card accounts with Synchrony over the years and only a single pull for approvals. SP for MASSIVE CLI's.

If all that's changed it will be beneficial for all to know what to expect anymore.

Re: Synchrony is DOUBLE PULLING__ TU and EX

ZeroAPR — Wed, 17 Feb 2021 07:29:48 GMT

Got a double pull (TU and EX) for CareCredit app on 2/14/21... approved for $2,500... was not expecting the double pull as other Syncb cards have been single pull

Re: Synchrony is DOUBLE PULLING__ TU and EX

JR_TX — Wed, 17 Feb 2021 19:04:47 GMT

They've been reported to be double sometimes triple pulling apps in the past though not as consistent as most recently.

Maybe it's the new normal with their risk assessment algo due to the current economic climate?

Re: Synchrony is DOUBLE PULLING__ TU and EX

toi34 — Sat, 20 Feb 2021 00:49:48 GMT

@toi34 wrote:
Just an FYI: I unlocked TU to apply for Amazon and Chevron but Synchrony pulled EX too, it was a double pull of TU and EX. I was declined because my EX was locked. I'm going to unlock EX and recon.

**Here's an update**

I called Syncrony about the double pull on EX too and said that they usually only pull TU so I didn't unfreeze EX. Synchrony agreed to rescind the hard pull, but said that I still needed to wait for 30 days to reapply.

I got an alert yesterday that the hard pull was deleted from my file, but it was only the Amazon hard pull and not both Amazon and Chevron. So I guess I'll call back on Monday to ask them to delete the Chevron hard pull too.

Lesson learned... .

Re: Synchrony is DOUBLE PULLING__ TU and EX

IntegerIntrovert — Sat, 20 Feb 2021 04:20:58 GMT

I can confirm this. I got the Amazon Store card last month and they pulled both, EX the day after the app which instantly pulled TU.

Re: Synchrony is DOUBLE PULLING__ TU and EX

Andypanda — Sat, 20 Feb 2021 04:34:48 GMT

Got the double pull yesterday on tge Rakuten card, but if that was the price for the approval, i was willing to pay it. At least it wasn't tge cap1 triple dip.

Re: Synchrony is DOUBLE PULLING__ TU and EX

CreditMagic7 — Sat, 20 Feb 2021 05:21:23 GMT

@toi34 wrote:
@toi34 wrote:
Just an FYI: I unlocked TU to apply for Amazon and Chevron but Synchrony pulled EX too, it was a double pull of TU and EX. I was declined because my EX was locked. I'm going to unlock EX and recon.

**Here's an update**
I called Syncrony about the double pull on EX too and said that they usually only pull TU so I didn't unfreeze EX. Synchrony agreed to rescind the hard pull, but said that I still needed to wait for 30 days to reapply.

I got an alert yesterday that the hard pull was deleted from my file, but it was only the Amazon hard pull and not both Amazon and Chevron. So I guess I'll call back on Monday to ask them to delete the Chevron hard pull too.

Lesson learned... .

Thanks for sharing about this unexpeted unfortunate routine they are using now.

Re: Synchrony is DOUBLE PULLING__ TU and EX

CreditCuriosity — Sat, 20 Feb 2021 14:23:52 GMT

double and triple pulls as eluded to by others are becoming the normal for Sync now along with a pull on sagestream.. few months back denied a card with them due to sagestream froozen.. Don't even have that PIN anymore was a loss of a TU HP for that experience as all my majors were unfroozen..

Re: Synchrony is DOUBLE PULLING__ TU and EX

GApeachy — Sat, 27 Feb 2021 00:35:30 GMT

I'll add a few dp's:

(all approvals)

1. 1Travel dc Jan 2020: hp'd Sagestream and TU

2. TJX dc Feb 2020: hp'd Sagestream and TU

3. Ebay mc Aug 2020: hp'd Sagestream and TU

4. Venmo vs Feb 2021: hp'd Sagestream and TU

I got locked out of Factor Trust, but I've seen sp's on it by Synchrony in the past for Lowe's and Walmart.

Re: Synchrony is DOUBLE PULLING__ TU and EX

Anonymous — Sat, 20 Feb 2021 18:56:22 GMT

@GApeachy wrote:
I'll add a few dp's:
(all approvals)
1. 1Travel dcJan 2020: hp'd Sagestream and TU
2. TJX dc Feb 2020: hp'd Sagestream and TU
3. Ebay mc Aug 2020: hp'd Sagestream and TU
4. Venmo vs Feb 2021: hp'd Sagestream and TU

I got locked out of Factor Trust, but I've seen sp's on it by Synchrony in the past for Lowe's and Walmart.

You've been a busy peach.

Re: Synchrony is DOUBLE PULLING__ TU and EX

GApeachy — Sat, 20 Feb 2021 21:38:16 GMT

@Anonymous wrote:
@GApeachy wrote:
I'll add a few dp's:
(all approvals)
1. 1Travel dcJan 2020: hp'd Sagestream and TU
2. TJX dc Feb 2020: hp'd Sagestream and TU
3. Ebay mc Aug 2020: hp'd Sagestream and TU
4. Venmo vs Feb 2021: hp'd Sagestream and TU

I got locked out of Factor Trust, but I've seen sp's on it by Synchrony in the past for Lowe's and Walmart.
You've been a busy peach.

Well it's a sickness

Re: Synchrony is DOUBLE PULLING__ TU and EX

AverageJoesCredit — Sat, 20 Feb 2021 21:38:30 GMT

No clue about my Sagestream etc, but im so glad i got all my Sync cards when they were a simple TU puller lol. I did get pulled once on Experian on a cli attempt years ago which was wild but now they want multiple bureaus and secondary agencies. Cray cray

Re: Synchrony is DOUBLE PULLING__ TU and EX

GApeachy — Sat, 20 Feb 2021 21:44:15 GMT

@AverageJoesCredit wrote:
No clue about my Sagestream etc, but im so glad i got all my Sync cards when they were a simple TU puller lol. I did get pulled once on Experian on a cli attempt years ago which was wild but now they want multiple bureaus and secondary agencies. Cray cray

Order you a report. I just got mine a few days ago. Guess what? They had my bday in 1919, **bleep**, really? It's a good thing to check. I'm really surprised I was approved being a centurion and all..jeez.

Synchrony= SageStream->Innovis + TU and EX

toi34 — Sun, 21 Feb 2021 22:56:35 GMT

I'm not sure if this has been clarified or not, but I want to save you unnecessary wasted hard pulls.

Sagestream pulls from Innovis, so if your Innovis is frozen Sagetream won't be able to provide info to Synchrony, Comenity, or other creditors.

Sagestream and Innovis are two separate companies (I thought they were one in the same but name-changed again. Remember IDA?)

Synchrony customer service was nice enough to rescind the hard inqs from EX. I'm still working on TU.

The long and short of it is...before you app for Amazon+: call to unlock Innovis, call to unlock Sagstream, unlock TU and unlock EX.

Re: Synchrony= SageStream->Innovis + TU and EX

AverageJoesCredit — Sun, 21 Feb 2021 23:04:17 GMT

@toi34 wrote:
I'm not sure if this has been clarified or not, but I want to save you unnecessary wasted hard pulls.
Sagestream pulls from Innovis, so if your Innovis is frozen Sagetream won't be able to provide info to Synchrony, Comenity, or other creditors.

Sagestream and Innovis are two separate companies (I thought they were one in the same but name-changed again. Remember IDA?)

Synchrony customer service was nice enough to rescind the hard inqs from EX. I'm still working on TU.

The long and short of it is...before you app for Amazon+: call to unlock Innovis, call to unlock Sagstream, unlock TU and unlock EX.

What's Amazon + ?

Re: Synchrony= SageStream->Innovis + TU and EX

Anonymous — Mon, 22 Feb 2021 00:36:05 GMT

I thought TransUnion owned Sagestream? And I also thought they kept their own records in addition to pulling from multiple alternative bureaus?

Re: Synchrony= SageStream->Innovis + TU and EX

coldfusion — Mon, 22 Feb 2021 01:14:29 GMT

@Anonymous wrote:
I thought TransUnion owned Sagestream? And I also thought they kept their own records in addition to pulling from multiple alternative bureaus?

Sagestream has historically used Lexis Nexis as a data source and was purchased by Lexis Nexis maybe a year or so ago.