Score Jump - should I reapply??

[Anonymous]

So I applied for a Synchrony account to buy an Exmark lawnmower that I need for my business but I was rejected.  This happened on June 11 and they pulled Transunion which was at 624.  Since then I had a 20 point score increase due to the only collection I had dropping off.  I am now at 644 on Transunion.  Would it be worth reapplying? 

I really need to get the mower and being able to finance it would help me out tremendously (vs paying cash). 

So - should I reapply?

Thanks guys!

[Anonymous]

I wouldn't recommend applying again for at least 6 months . Possibly apply for a capital one credit card . I like capital one because I can upgrade the card as my credit score goes up.

[Anonymous]

I just looked at the credit pulls database and it seems you'll need at least a 670 to be approved with Synchrony.

I agree with Jsailman, give Cap One a try. Could you get a loan from a credit union to pay for it?

[Anonymous]

Synchrony likes mid to upper 600's range. I would wait!

[Anonymous]

Who did you apply with-Walmart, Sam's Club, or Lowes?  I don't have a Lowes card, but got Walmart I think at around 640ish.  Just got Sam's Club this month at 690.  GF got Lowes at 660.  With Synchrony Bank you can't reapply for 30 days; it will automatically reject the application.