Approval Odds/Options for furniture shopping

[Anonymous]

My parents are buying a house and moving in late March. Most of thier furniture is either too old to move or they dont like, so instead of moving it we are considering replacing it and just having it delivered at the new house. While i could probably put most if not all on my cards, i was scouting the possibility of getting financing so i dont have to pay interest. Both Ashleys Furniture and City use branded Syncrony Bank credit cards or a Genesis CFA. My experience with Syncrony are they are pretty meager with CLs and hard to approve for, i was wondering if anyone has any experience with these. (I applied for a NAPA branded card a few years ago when i first started out and was denied, applied for walmart store card and approved for only a $200 limit with a 680 FICO score, hard pull to Transunion and FICO) I was also looking up matresses at a non mega brand that offered financing thru Affirm. I have good experience with Affirm, but had read threads on here that companies like that are bad for your credit report? Was wondering if anyone could expand on that. 

My Sig is not updated, i am waiting for things to report, I am currently looking at scores in the 700 range once everything updates. (credit karma already reports 700/688 but FICO isnt updated at all and not everything has been reported on credit karma) The main thing holding my credit back is 24 inquiries on my Equifax (november 20 fall off) 6 inq on Transunion, 18 on FICO, 3k in balances vs 14k combined credit. Newest account is 9 months ago.

[CGeorge]

Please read everything that you can on Affirm - they are NOT an option....truly. I personally have had excellent experiences with Synchrony. I always go for the 0% interest through a promotional period. But your Credit Karma scores are NOT your true scores. Your true scores are LOWER that what is showin on Credit Karma, Nerd Wallet, Wallet Hub and Credit Sesame.

[FlaDude]

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@CGeorge wrote:

But your Credit Karma scores are NOT your true scores. Your true scores are LOWER that what is showin on Credit Karma, Nerd Wallet, Wallet Hub and Credit Sesame.

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Is this statement based on specifics in the OP's post or is this just a generality? I know in my case that my Vantage scores from CK have been as much as 80 points lower than my FICO scores, so it's certainly not the case the Vantage scores are always higher than FICO.

[dynamicvb]

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@FlaDude wrote:

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@CGeorge wrote:

But your Credit Karma scores are NOT your true scores. Your true scores are LOWER that what is showin on Credit Karma, Nerd Wallet, Wallet Hub and Credit Sesame.

---

Is this statement based on specifics in the OP's post or is this just a generality? I know in my case that my Vantage scores from CK have been as much as 80 points lower than my FICO scores, so it's certainly not the case the Vantage scores are always higher than FICO.

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Yes, this is profile specific my Vantage scores are also much lower than my Fico scores. To the OP Synchrony was not hard for my wife to get in. She got an instant 2K on some furniture we bought last year with some fairly dismal scores with the 0% intro