CLI Declined PP 2%

[Tito1183]

Declined twice in the last two months for CLI. On both notices they are using FICO from 1/17/19. Is this normal that they use a score which is two months old?

[FinStar]

Via what method did you request the CLI?  Was it online, automated phone request or did you reach out to the Credit Solutions department?

[Tito1183]

First time live person (Credit Solutions?) and second time once TU updated on their site I tried online. Both denials showed TU score from 1/17/19, One was done in Feb and the other in Mar.

[Anonymous]

Op,

Yes they do use the old score. My score updatd to 778 ex, tu, got denied twice for synchrony cli.

I will try next month again. I also have four new accounts opened not sure if that's also a big factor 

[Tito1183]

I wonder how long before they use a new score.

[FinStar]

How long have you had the card?  Is there activity every month?

[Tito1183]

Will be two years in Nov. Yes recurring payments monthly.

[FinStar]

Since there seems to be a lag on the score being used, maybe try in April/May?  

You mentioned upthread when you reached out to them..."First time live person (Credit Solutions?)...".  Which number did you call?  Was it the number on the back of your card?

[Tito1183]

I don’t recall what number I called, most likely the contact us # on the website

[FinStar]

I would recommend trying any of the 2 numbers below to reach the Credit Solutions team directly.  Hopefully this might yield better results:

Synchrony: 866-519-6441 (Credit Analyst/Credit Solutions)
Synchrony Credit Solutions: 877-379-8173 (Overseas)

The above #'s are also listed in our Backdoor Numbers sticky (link below):

https://ficoforums.myfico.com/t5/Credit-Card-Applications/Backdoor-Numbers/td-p/408066