topic Re: Rooms To Go / Synchrony in Credit Card Applications

Rooms To Go / Synchrony

Harvey26 — Wed, 13 May 2026 16:33:50 GMT

Completed the prequal for Rooms To Go which is issued by synchrony and got the below response. Requested 10k and they offered 9k but the score is complete off. Anyone able to shed any light on this. Last I checked TU score was 803. Most recent auto is a Honda lease and will be a year old in july, on TU i only have 3 inqs. All accounts are satisfactory never missed a payment ever and im not even sure what it means by my address is non residential.

Re: Rooms To Go / Synchrony

GZG — Wed, 13 May 2026 16:41:39 GMT

@Harvey26 wrote:
Completed the prequal for Rooms To Go which is issued by synchrony and got the below response. Requested 10k and they offered 9k but the score is complete off. Anyone able to shed any light on this. Last I checked TU score was 803. Most recent auto is a Honda lease and will be a year old in july, on TU i only have 3 inqs. All accounts are satisfactory never missed a payment ever and im not even sure what it means by my address is non residential.

could be a vantage score, synch typically uses vantage 4.0, do you have a source for that? Walmart's onepay offers this, could be a custom-based risk score, no way to tell which score it is

is your address not a typical address or perhaps you live above a business or something? that credit scoring system has your address listed as something other than a typical residence, it seems

Re: Rooms To Go / Synchrony

Harvey26 — Wed, 13 May 2026 16:48:06 GMT

@GZG How would I see it with walmart one pay , I do not have a credit card with them and no my address is to my apartment that I live in and I have never ever had an issue with that before.

Re: Rooms To Go / Synchrony

GZG — Wed, 13 May 2026 16:52:52 GMT

@Harvey26 wrote:
@GZG How would I see it with walmart one pay , I do not have a credit card with them and no my address is to my apartment that I live in and I have never ever had an issue with that before.

walmart onepay has bank accounts as well, doesn't need the credit card, but it's literally on the first screen in the app after you sign up

Re: Rooms To Go / Synchrony

crystal626 — Wed, 13 May 2026 17:58:30 GMT

@GZG wrote:
@Harvey26 wrote:
@GZG How would I see it with walmart one pay , I do not have a credit card with them and no my address is to my apartment that I live in and I have never ever had an issue with that before.
walmart onepay has bank accounts as well, doesn't need the credit card, but it's literally on the first screen in the app after you sign up

I was excited until I downloaded the app and it wanted me to use Persona to give a live selfie and a copy of my drivers license. That's a no from me.

Re: Rooms To Go / Synchrony

GZG — Wed, 13 May 2026 18:24:06 GMT

@crystal626 wrote:
@GZG wrote:
@Harvey26 wrote:
@GZG How would I see it with walmart one pay , I do not have a credit card with them and no my address is to my apartment that I live in and I have never ever had an issue with that before.
walmart onepay has bank accounts as well, doesn't need the credit card, but it's literally on the first screen in the app after you sign up

I was excited until I downloaded the app and it wanted me to use Persona to give a live selfie and a copy of my drivers license. That's a no from me.

NASA FCU has a experian vantage 4.0 for free, combine with a checking bonus

same with Wings CU

Re: Rooms To Go / Synchrony

FicoMike0 — Wed, 13 May 2026 23:22:14 GMT

congratulations on the 9K!

Keep in mind, sync sux.

Re: Rooms To Go / Synchrony

crystal626 — Wed, 13 May 2026 23:37:11 GMT

@GZG wrote:
@crystal626 wrote:
@GZG wrote:
@Harvey26 wrote:
@GZG How would I see it with walmart one pay , I do not have a credit card with them and no my address is to my apartment that I live in and I have never ever had an issue with that before.
walmart onepay has bank accounts as well, doesn't need the credit card, but it's literally on the first screen in the app after you sign up

I was excited until I downloaded the app and it wanted me to use Persona to give a live selfie and a copy of my drivers license. That's a no from me.

NASA FCU has a experian vantage 4.0 for free, combine with a checking bonus
same with Wings CU

Well if Wings has it then I'll be getting that when the Ent merger is complete so that's cool.

Re: Rooms To Go / Synchrony

bigpoppa09 — Thu, 14 May 2026 07:13:17 GMT

@Harvey26 wrote:
Completed the prequal for Rooms To Go which is issued by synchrony and got the below response. Requested 10k and they offered 9k but the score is complete off. Anyone able to shed any light on this. Last I checked TU score was 803. Most recent auto is a Honda lease and will be a year old in july, on TU i only have 3 inqs. All accounts are satisfactory never missed a payment ever and im not even sure what it means by my address is non residential.

Sync doesnt use Fico they use TU Vantage 4

U can sign up for a free one pay account no products needed and they will give this score for free updated every week.

https://www.onepay.com/

Re: Rooms To Go / Synchrony

Harvey26 — Thu, 14 May 2026 16:57:36 GMT

@GZG @bigpoppa09
Signed up today and it says my score is a 780... So I have no clue where they are getting that 670 from.

Re: Rooms To Go / Synchrony

GZG — Thu, 14 May 2026 17:01:54 GMT

@Harvey26 wrote:
@GZG @bigpoppa09
Signed up today and it says my score is a 780... So I have no clue where they are getting that 670 from.

they can be using any number of scores, there are infinitely more scores that are private/proprietary that we'll never be able to access other than a cc application status letter