This is the craziest thing I've ever seen. I applied for a Walmart and Amazon account within minutes of each other a week ago. Walmart came back with a 900 limit and Amazon came back declined... this is the letter I got from them 5 days later. 053? My TransUnion scores are 615-640 depending on scoring model. 053? Hmm.
Your Credit Score: 053
Date: 04/04/15
Scores range from a low of 000 to a high of 999.
So then I realized that I had an old GEMBK card with Amazon like 7 years ago when I was much younger and they were one that got charged off and is long since off my credit report... is it possible their scoring system gave me like a negative 600 to essentially blacklist me from an account even though Synchrony handles the account?
GE/Synch uses a proprietary scoring model from what I remember. The score is pretty much made up. lol. You got walmart, just be happy about that 