@Santaclausthereal wrote:I just got approved for my 8k increase with navy on both of my cards moving them both from $21000 to $29000 so a 16k increase to my credit limits including a $3100 increase to my american express moving it from $3100 to $6100 however i cant get synchrony to give me an increase everytime i request they decline saying the factor from a score in september does anyone know when they update their scores and information from credit bureau because the info they have on my profile is outdated causing a decline.
Congrats on the CLIs!!
Synchrony typically soft pulls TU every month and they should be using that.
The CLI denial letters IME have their reason as opposed to a credit score reason code, what are you seeing?
I've had a similar issue with Discover giving denial reason codes based on things that aged off my credit report nearly a year before the denial.
Amusingly, they had previously granted a CLI request when those things were still on my reports...🤔
The good news is that Syncrony doesn't appear to have any time period you need to wait after a denial before your next CLI request, so you can hit the button again every month until they give you one, same with Discover.
@Santaclausthereal wrote:trust me they are pulling an old report and using it not a current report they have a vantage core of 699 and citing reasons for denials as high utilitization amongst cards my utilization is now at below 15 percent they are going based off things from september based on the denial letter and the report date they used they arent running a current report
are you talking about paypal credit? or the PPMC?
I don't think paypal credit grows as well as the other synch products do and it wouldn't surprise me if paypal credit account reviews are quarterly or bi-annually instead of monthly