Sync PPC update + Sync Using Old SP

Anonymous — Sat, 22 Jun 2019 15:10:09 GMT

So.... I called Paypal to finalize the PPC line closure before the "Site Maintenance" ... not what I expected at all.

Been Paypal since 2001, ebay, PP, SmartConnect, PP Rewards MC, PPC -> originally BillMeLater. Never Late, never issues, ideal customer.

Wouldn't know it:

Zero Balance PPC

Zero Balance PPMC

Cash on Hand in PP acct

Very Polite and asked if I could inquire about the up coming transition to Sync... Sure he says... Can you tell me how this tradeline will be reported? "I can't tell you how it's going to be reported, BUT I can tell you it will be reported.

I said, "I have no issue with it being reported, "GOOD" he interjected ... "because they are going to report the good, the bad, and the ugly" he says... "Since this account has never experienced bad or ugly" I said, "Does that mean they are going to report all the information including the original opening date?" I ask

"Sync is under no obligation to report information that they don't have, they will report from when they took over"

I perceived ALOT of attitude from this Account Rep. I asked if I could close the account to avoid a new account out of the blue...

He says, " I never recommend closing an account, but I would be happy to close yours" I never got riled up or confrontational, perfect gentlemen, But I have to say I have never had a CSR talk to me like these 2 did (see below).... and I have a pretty thick skin, but this was "Very Noticeable"

PPC - Account Closed.

Since I was dealing with PP I tried Credit Solutions for a CLI in my PPMC - The British cant hide "tone" in their voice ... it's genetic, DNA maybe... I know I am married to one.

So after thinking about for like 30 seconds, she came back with.... "Mr XXXX I am sorry, I cannot offer you anything, as a matter of fact you can not have an increase on any of your Sync accounts, is there anything else?" Not the lovely British girl who said "Let me check"... but the not so pleasant tone one...

Wow. Fast Forward 5 days here comes the mail.

Based on data in your credit file dated 12/18 ..... "Since not much has probably changed recently"

CLI request in May 1 2019 denied using March date - 2 months old

CLI request in June 2019 denied using December 2018 Data - 6 months old

Seems if they don't want to help you, they use old data to deny you.

DATA:

Jan 2019 - FICO8 640 - 85% Util (24K of 28K) DTI: ~

Jun 2019 - FICO8 740+ - 16% Util ( 9K of 58K) DTI: 16% 3 CC < 49% + 1 Store Card < 22% - 6 CC's= 0 Bal - 2 Installs - 1student/1Prosper

Lates: NONE - (BK from 2009 "No Longer Reporting" Showing a "Clean File" finally)

AAoA 5 yrs

Old - 15yrs

2 TU - 0EX - 0EQ

2 TU Inq were: Prosper opened April / NFCU CC opened May 2nd

2/6 - 0/12 - 0/24

FNBO, Discover, NFCU, Venture1, QS1, Cabelas, Merrick, Mercury, PPMC, Amazon (Sync), JCP

Re: Sync PPC update + Sync Using Old SP

Anonymous — Sat, 22 Jun 2019 15:47:00 GMT

That’s so weird that they would use a CR from December when they had a newer report on hand. Sorry to hear that they gave you so much attitude.

Re: Sync PPC update + Sync Using Old SP

Anonymous — Sat, 22 Jun 2019 16:48:01 GMT

Pretty sure its politics and finance making a mess of things currently.

With some finance companies its as much what you buy as how or the manner you pay for it.

Auto increases from all lenders while high utilization was present shows that they were OK with how I was performing during a 3 year period when I ran high utilization.

Example:

FNBO was 1600cl I ran 1000 balance constantly. Charge to 1500, paydown to 1000 -- repeat

I paid it down to 400, then bought an ounce of gold. Back to 1500. Paid to 1000. Following Month was CLI to 2650 Statements were always 80% +

Even Barclays Rewards - before it was sold to Mercury - gave out 3 Auto CLI during high util 1500 to 4500CL

How you pay is still huge, but what you buy is becoming a thing.

topic Re: Sync PPC update + Sync Using Old SP in Credit Cards

Sync PPC update + Sync Using Old SP

Re: Sync PPC update + Sync Using Old SP

Re: Sync PPC update + Sync Using Old SP