topic Re: Does anyone know when Synchrony updates their internal fico scores? in General Credit Topics

Does anyone know when Care Credit updates their internal fico scores?

CreditJourney007 — Sun, 21 Jul 2019 02:16:10 GMT

or Sychnrony in general?

I just got a denial with a score from 04/04/19...

Not sure if this goes here, so feel free to move!

Re: Does anyone know when Synchrony updates their internal fico scores?

Anonymous — Sun, 21 Jul 2019 01:09:24 GMT

Did they HP you?

If not, then it's nothing to worry about. Give it a month and try again. If you were previously denied then it's a stale SP score but, getting them to recon anything is like pulling teeth.

Re: Does anyone know when Synchrony updates their internal fico scores?

CreditJourney007 — Sun, 21 Jul 2019 01:13:48 GMT

No this was a soft pull. My TU went from 604 to 683 so I'm trying to get a CLI on Care Credit and my PPC 2% because I've ready 680 is typically good enough for a CLI. I guess I'll keep trying.

Re: Does anyone know when Synchrony updates their internal fico scores?

Anonymous — Sun, 21 Jul 2019 01:26:10 GMT

Ahh, that make sense then. Care Credit is the oddball that updates every 4-6 months between CLI's. I can't recall exactly whcih of the two it is but, someone should chime in that has the card. Maybe go back to the 1st post and change the subject to include Care Credit.

Re: Does anyone know when Synchrony updates their internal fico scores?

mikesonthemend — Sun, 21 Jul 2019 01:33:48 GMT

They have gone back as far a 6 months on many of my denials. It is literally like pulling the handle on a slot machine.

Re: Does anyone know when Synchrony updates their internal fico scores?

CreditJourney007 — Sun, 21 Jul 2019 02:17:18 GMT

Thanks!

I guess I will try monthly? I don't want AA or something for asking too much though.

Re: Does anyone know when Synchrony updates their internal fico scores?

Anonymous — Sun, 21 Jul 2019 02:22:56 GMT

@CreditJourney007 wrote:
Thanks!

I guess I will try monthly? I don't want AA or something for asking too much though.

There are people here who ask Sync and Disco so many times that they could wallpaper their entire houses with denial letters. Wouldn't really worry about it.

Re: Does anyone know when Synchrony updates their internal fico scores?

mikesonthemend — Sun, 21 Jul 2019 02:26:27 GMT

@Anonymous wrote:
There are people here who ask Sync and Disco so many times that they could wallpaper their entire houses with denial letters. Wouldn't really worry about it.

this!

Re: Does anyone know when Synchrony updates their internal fico scores?

CreditJourney007 — Sun, 21 Jul 2019 02:48:05 GMT

@Anonymous wrote:
@CreditJourney007 wrote:
Thanks!

I guess I will try monthly? I don't want AA or something for asking too much though.
There are people here who ask Sync and Disco so many times that they could wallpaper their entire houses with denial letters. Wouldn't really worry about it.

LOL, I'm the same with Disco. How annoying, I wish they'd just email a denial.

Re: Does anyone know when Synchrony updates their internal fico scores?

Anonymous — Sun, 21 Jul 2019 02:51:40 GMT

@CreditJourney007 wrote:
@Anonymous wrote:
@CreditJourney007 wrote:
Thanks!

I guess I will try monthly? I don't want AA or something for asking too much though.
There are people here who ask Sync and Disco so many times that they could wallpaper their entire houses with denial letters. Wouldn't really worry about it.
LOL, I'm the same with Disco. How annoying, I wish they'd just email a denial.

I stopped asking for now. They seem to only want to increase my limit when they're no longer my highest limit. At $12,700 though, I really don't need more so I'll save some trees.

I try Sync at least once a month for my PayPal card. My Amazon seems to be on a fixed 3 month schedule so I save some trees.

Re: Does anyone know when Synchrony updates their internal fico scores?

Anonymous — Sun, 21 Jul 2019 02:54:19 GMT

I have a Synch Visa and the FICO updates on the first of every month.

Re: Does anyone know when Synchrony updates their internal fico scores?

Anonymous — Sun, 21 Jul 2019 02:55:34 GMT

@Anonymous wrote:
I have a Synch Visa and the FICO updates on the first of every month.

The FICO on the site and the FICO they use for CLIs can be entirely different.

Re: Does anyone know when Synchrony updates their internal fico scores?

Anonymous — Sun, 21 Jul 2019 03:12:38 GMT

@Anonymous wrote:
@Anonymous wrote:
I have a Synch Visa and the FICO updates on the first of every month.
The FICO on the site and the FICO they use for CLIs can be entirely different.

lol. I guess I shouldn't be surprised. I noticed a similar thing with Comenity. Not that they provide a FICO, but whenever I request a CLI the FICO they send me in the mail will have a date they supposedly pulled it, but it will match a score from several months ago.

So what's the rule for Synch? Which FICO and when is it pulled when you request a CLI?

Re: Does anyone know when Care Credit updates their internal fico scores?

chiefone4u — Sun, 21 Jul 2019 04:27:04 GMT

Not sure how in stone this is, but my experience lately has been instant approval within 5 days of updated score on the cards website. After 5 days it's an instant denial, the denial letter always says something along the lines of -- your TU is inaccessible and we want to verify the information you've provided.

My TU is frozen, if I unfreeze it I either get instant approval or a letter saying I haven't paid down enough of my mortgage balance (FICO score dated same day as request).

As far as Care Credit goes, for me, they only approve every six months. But I try all Synchrony cards around the 1st of the month (skipping any card that recieved CLI during preceding 31 days -- trying to cut back on confetti).

Re: Does anyone know when Synchrony updates their internal fico scores?

Queen_Etherea — Tue, 23 Jul 2019 14:11:43 GMT

I could build the Eiffel Tower with the amount of denial letters I've gotten from Synchrony, Commenity, CapOne, and Discover lol. I've narrowed it down to asking for CLI's once a week on Monday's.