topic Re: Synchrony Bank HP on Transunion in General Credit Topics

Synchrony Bank HP on Transunion

purplegurl1920 — Tue, 11 Jun 2019 17:05:18 GMT

I had a freeze on all of my reports as someone has been trying to open accounts in my name. Well, I need to new car and opened my CB so I can start to apply. Low and behold, early this AM I get an alert than Synchony Bank checked my credit. I have a Walmart card with them and did not to this inquiry. Do they just randomly check as a hard inquiry without an application. What in the world is going on here?

Re: Synchrony Bank HP on Transunion

Remedios — Tue, 11 Jun 2019 17:11:54 GMT

Did you call synch and asked what was the reason for the inquiry?

How does it show on your CR?

Do you happen to have a screenshot?

Sorry about million questions

Re: Synchrony Bank HP on Transunion

purplegurl1920 — Tue, 11 Jun 2019 17:29:44 GMT

1. I have not called yet. That is on the list to do after I call TU to dispute. I tried to dispute online but it would not let me dispute the inquiry online. I wll dispute in writing to both. I did not do this and do not want this on my inquiry list. I had 2 that were due to fall off at the end of this month. My goal was to not have any when I applied for the car loan.

2. Yes it will show on my report, I received notice from transunion, Nerdwallet, Credit Karma of the inquiry.

3. Yes, I have now taken a screenshot of the notices I receieved.

Re: Synchrony Bank HP on Transunion

DapprD — Tue, 11 Jun 2019 17:37:12 GMT

@purplegurl1920 wrote:

2. Yes it will show on my report, I received notice from transunion, Nerdwallet, Credit Karma of the inquiry.

The question was NOT IF it shows, but HOW it shows, what does it say?

Re: Synchrony Bank HP on Transunion

Remedios — Tue, 11 Jun 2019 18:03:49 GMT

@purplegurl1920 wrote:
1. I have not called yet. That is on the list to do after I call TU to dispute. I tried to dispute online but it would not let me dispute the inquiry online. I wll dispute in writing to both. I did not do this and do not want this on my inquiry list. I had 2 that were due to fall off at the end of this month. My goal was to not have any when I applied for the car loan.
2. Yes it will show on my report, I received notice from transunion, Nerdwallet, Credit Karma of the inquiry.
3. Yes, I have now taken a screenshot of the notices I receieved.

I would call synch before disputing. If it was an error, they should be able to fix it. Disputing HP may lead to CRA placing a fraud alert.

That's not a bad thing if there truly was a fraud, but PITA to deal with if there wasn't one.

In the meanwhile, keep your reports frozen in case somebody did try applying for credit in your name.

Re: Synchrony Bank HP on Transunion

purplegurl1920 — Tue, 11 Jun 2019 18:31:43 GMT

I called Syn on the number that was used with the inquiry and they were clueless as to what I was talking about. They gave me the numbers to call to check on the existing accounts that I already have. In short, they were not helpful. I told the rep, I did not submit for an application for any new credit.

I then called TU and advised that I did not apply for any new credit yet and wanted to dispute the inquiry as It was not me and I did not authorize any HP on my credit. Furthermore as I have a fraud alert on mt file, I was to be called in anyone was issuing any credit for me. The rep advised that I needed to get a letter from Synch stating this and I told him I already called them. He was trying to give me a hard time at first, then I started to cry and told him I did not do this and someone other than me is doing this. He then proceeded to tell me he would remove the inquiry as fraudelent and that I would receive a letter of the removal. As soon as I get my car loan I will refreeze my credit. I only unthawed it so I can apply for a car loan. Thank the Lord for small miracles.