I got a Lowes card with scores that were much lower than yours, however I only have one small baddie on my report. ($103 medical). It seems your in good shape, Synch likes to overlook some things when approving. I will say, that if you do app and are declined, try John Deere credit if you have a local dealer. You can apply online and it's instant approval that you can use the same day. I was approved for $15K with them and purchased my lawn tractor that afternoon. They do not, however, report the credit line to any credit bureau (which stinks) but they seem to give better credit limits and it's good for much more than John Deere at your local dealer. Oh, and it also includes service as well.... just a thought 
good luck!
@Anonymous wrote:I got a Lowes card with scores that were much lower than yours, however I only have one small baddie on my report. ($103 medical). It seems your in good shape, Synch likes to overlook some things when approving. I will say, that if you do app and are declined, try John Deere credit if you have a local dealer. You can apply online and it's instant approval that you can use the same day. I was approved for $15K with them and purchased my lawn tractor that afternoon. They do not, however, report the credit line to any credit bureau (which stinks) but they seem to give better credit limits and it's good for much more than John Deere at your local dealer. Oh, and it also includes service as well.... just a thought
OP - yes, this is a good financing alternative (depending on the tractor you had in mind). I few members have the John Deere financing tradeline. Ron1 and CreditMagic IIRC. I'm not as familiar with John Deere or their financing, who do they typically pull?
@FinStar wrote:Sorry to hear about your recent injuries... and the tractor! Looks like your DW likes to play bumper cars! All jokes aside, thankfully nothing serious.
Lowes/SYNCB will pull TU. How many new accounts are reflected open on your CR, specifically TU. FICOs seem to be within good range (and we know that's not the main thing they consider but ther seem adequate). How many derogs or CAs are there currently, you mentioned the paid medical collection on EX - are there more or less on TU?
I bring it up now and then, but I only play around about it at times (bring up when she tried to kill me ), she really cried while I was laying in the driveway.
Anyway..
New accounts on TU are 5, and The medical collection was for 85.00, it never shouild have been on there, but tried as hard as I could to get it off, no go.
The OC screwed up and did not apply a payment when I made it, if they had it would not have ended up on me CR, the payment did go to collections, 30 days after service date, 30 days later I paid, but CA will not remove.
I have no baddies on TU or EQ other than the late mortage payments (6), those I have not resolved with 5/3 rd, it was more their payment processing department that keep screwing up, I now have a checking account with them to pay online directly, so no late pays fof 9 months now. All other accounts have 100% on-time payments.
Funny thing, only Barclay on my recon even asked about those, told her what happened and she said o.k.
Thanks!
Thanks for the John Deere info, did not think about that, what APR do they run?
I got in on a 0% for 18 months if paid in full. It all depends on what model you purchase as to what the deal they give you and they change every 3 months or so. They are all listed on their site http://www.deere.com/en_US/buying_and_finance/usa/special_offers/residential/residential-offers.page
@Anonymous wrote:I got in on a 0% for 18 months if paid in full. It all depends on what model you purchase as to what the deal they give you and they change every 3 months or so. They are all listed on their site
OP - FYI... standard APR for their revolving/personal account is 18.25%. But it appears there are several financing offers depending on what you are purchasing. Application (quick form) can be submitted online. I think I just bit the bullet ... I couldn't help myself 
I was looking at a few of their Gators ... Ooopsie!
@Anonymous wrote:I got in on a 0% for 18 months if paid in full. It all depends on what model you purchase as to what the deal they give you and they change every 3 months or so. They are all listed on their site
Thank you for that link!
I am looking at around the 4500.00 mark, they have a 4.99% for 48 months, that should be about 100.00 a month.
Or 0 for 12, but 12 may be too short for me right now.
Any idea what they may offer me if I apply for their card?
Finstar, sorry if my post made you app