topic Re: I Recently Applied For A Synchrony Card in Credit Card Applications

I Recently Applied For A Synchrony Card

Anonymous — Thu, 16 Sep 2021 12:45:15 GMT

Good Morning! I recently applied for a Synchrony card through La-Z-Boy's website and was instantly denied. After combing my credit reports to see what bureau they pulled I found nothing. Then I received a letter saying the reason for the denial was "high risk source of application." What does that mean? In 50 years of using credit I have never heard of such a thing.

Re: I Recently Applied For A Synchrony Card

Taurus22 — Thu, 16 Sep 2021 12:59:15 GMT

This has come up before. What did you use to do the application? PC or phone?

Re: I Recently Applied For A Synchrony Card

Anonymous — Thu, 16 Sep 2021 13:12:12 GMT

I used my iPad without a vpn.

Re: I Recently Applied For A Synchrony Card

Taurus22 — Thu, 16 Sep 2021 13:19:17 GMT

It's possible it didn't like the IP address. I would try again from a PC and see what happens. If you still see the problem, you could always call Sync and explain your issue and see if they can verify the app while you have them on the phone.

EDIT: I'm guessing the iPad is working on a wireless plan?

Re: I Recently Applied For A Synchrony Card

coldfusion — Thu, 16 Sep 2021 16:19:01 GMT

@Anonymous wrote:
I used my iPad without a vpn.

Some issuers try to geolocate your physical location when applying for credit as an anti-fraud measure. If it doesn't look like you're applying from or near your home address they either won't accept the application (BBVA as an exampled used to do this) or will deny it.

It can take up to 24 hours for a hard pull from either Transunion or Equifax to be seen BTW. If after 24 hours or so you don't see a hard pull the denial was likely related to a geopositioning issue.

Were you applying from home connected to your own wireless network?

Re: I Recently Applied For A Synchrony Card

Anonymous — Thu, 16 Sep 2021 16:30:23 GMT

No. It's not a cellular model.

Re: I Recently Applied For A Synchrony Card

Anonymous — Thu, 16 Sep 2021 16:33:20 GMT

Yes I was. My vpn was not connected on my iPad at the time.

Re: I Recently Applied For A Synchrony Card

coldfusion — Thu, 16 Sep 2021 23:22:47 GMT

If you did not take a hard pull you can try using a different computer from your home network, or at least at a very mininum use a different browser on your iPad (i.e. if you used Safari before, this time install Chrome and use that).

Re: I Recently Applied For A Synchrony Card

Anonymous — Fri, 17 Sep 2021 14:57:50 GMT

Thank you all so much for your help. Much appreciated!

Re: I Recently Applied For A Synchrony Card

jayrock24 — Tue, 17 May 2022 09:29:17 GMT

it triggers this response if you have a fraud alert or some incomplete info wrong number misspelled name or middle name when its not listed on cr......