Is synchrony know for forgiving.

[taxi818]

Had an enzymes back in the day $20k. And pay pal 10k. Both fell off my report and I'm getting ads now from synchrony.  I never paid them. Not sure if they will let me back like Amex. Any thoughts? Score back to 700. Just bought a Tesla though.  

[CorpCrMgr1]

@taxi818  they took me back. My score was no better than your score. Good luck!

[FicoMike0]

which card did you put the team's on?

[taxi818]

Meant I had ebates card back in the day. Blew both cards off. Not sure to apply again. They used to also have a Walmart card for 10k. I don’t see anything from synchrony on my reports.

[taxi818]

Nice to know that they forgive. Will still wait a couple months.  Have 3 months until 4 more drop off.  Last payment on a TD bank card was April 25, 2017. I think the delinquent date was may 25th that year.  Will drop off. I know they say it should not have effect after so long, but I noticed after each drop off there is a 15-25 point boost in my scores.