JC Penny Pulled EQ

MyDataMyChoice · ‎02-20-2015

JC Penny Pulled EQ thought Synch pulled TU

November 2023 - Home Depot Credit Card SL $500

October 2023 - PENFED Overdraft Line of Credit $2,000

October 2023 - US Alliance Financial Overdraft Line of Credit $4,000

October 2023 - SOFI $7,000 - 15 Months No Interest and $200 Sub. 3% CB one year then 2%

October 2023 - Wells Fargo REFLECT Visa Signature SL $9,000 21 Mo Interest Free - Transferred 12K from ACTIVE Limit to REFLECT New Limit $21,000

October 2023 - Alliant Credit Union Visa Signature SL $10,000 - 2% CB

May 2022 - Wells Fargo ACTIVE Visa Signature SL $13,000 - $200 SUB - 15 Mo Interest Free then 20.24% - Transferred 12K of CL to REFLECT New Limit $1,000

Upgrade Cash Rewards Visa Signature $20,000, seems to only report high balance

May 2021 - SYNB Lowe's Advantage SL $800 - Same Day CLI to 17K | April 2022 CLI to 35K

May 2021 - BofA Customized Cash Partially Secured 99/500 | April 2022 Graduated $1500 CL

Prequal Capital One Quicksilver | SL $5,000, OCt 2023 CLI to $5,500 @ 25.49% Apr 2021 - $200 SUB, 15 Mo No Interest

PENFED Pathfinder Visa Signature | SL $5,000 @ 17.99% Apr 2021

Apple Card by Goldman Sachs | SL Feb 2021 $4,000 - CLI May 2021 to $4,500 - CLI to $7,000 April 2022 - CLI to $9,000 - March 2024 CLI to 11.5K 21.99%

DELL Preferred Account $5000 @ 17.49 - Prequalified | Feb 2021

PENFED PCR (2%CB w/ Honors) | AUG 2020 - $3,500 - CLI May 2021 - $5000 - CLI Oct 2023 $10,000@ 17.99

OLLO Dec 2019 $2,500 - Auto CLI Aug 2020 $3,100

chalupaman · ‎02-20-2015

I've heard cases where they've pulled EX too. I've never experienced that before with Sync but just be aware.

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down

DeadlyPersona · ‎02-22-2015

Earlier this month, I apped for Belk and they pulled Experian. Belk is also backed by Synchrony. When I received that inquiry however, my score dropped 13 points....I wanted to scream....oh wait...I did scream.

gdale6 · ‎02-22-2015

I have been pulled on all 3 CRAs by them, most of the time they do use TU.

App_Addict · ‎02-23-2015

They pulled TU on me and I got the "You will recieve details in the mail spill! I'm over 640 with TU, not sure what the deal is!

CURRENT SCORES: TU: 698 21 Apps / EX: 644 28 Apps / AAoA: 4.4 Yrs. / Util. 5% / Goal: 750 by 12/22

MyDataMyChoice · ‎02-23-2015

Need to have a 670 i think for Sync

injustifiiable · ‎02-23-2015

@JTC403 wrote:
Need to have a 670 i think for Sync

I got mine with lower score (650's - 660's I believe at the time) but I had a pre-screened mailer if that mattered...

DeadlyPersona · ‎02-23-2015

I looked on my CR and JCP pulled TU on me but I did app in the store with purchases totaling about $80....my starting CL was $700. I can tell you my TU score was not over 650 at the time.

pizza1 · ‎02-23-2015

it depends on your overall credit profile.

I was approved at the register for $500, TU 635 at the time. Tons of baddies and a BK showing.

Credit is weird...lol

Anonymous · ‎02-23-2015

@pizza1 wrote:
it depends on your overall credit profile.

I was approved at the register for $500, TU 635 at the time. Tons of baddies and a BK showing.

Credit is weird...lol

It is indeed...