Sync Mattress Firm Strategy?

[Anonymous]

Hi all! We're looking at financing a new matress set through Mattress Firm (Sync) and my actual question is whether we should go for it this weekend or wait a few months. I know its important, so here's the whole picture, as short as possible...

Through mid 20s I had almost no credit, except AU on dad's Amex since I was 5 (literally 5....reports show 1990) & 6K student loan. Ended up successfully rehabbing that loan, completed in Oct this year. Because of the complete lack of credit, scores saw a bump of about 130 pts in Nov. Fast forward to last week, went on mini spree and was approved for Target, Kohl's, Amazon (store) & US Bank Cash+ Visa. Only the USB is showing on my report, as of 1/1, and none of the new accts have been used at all yet. Score got another little bump from USB reporting that new SL. As of today, FICO 8 via Credit Check Total are EXP 655/TU 671/EQ 686. My AAoA is 10+ years because of the Amex.

So am I better off going in now to apply for the financing, with fresh inq's but really clean otherwise, or waiting several months down the road? Thank you!

[creditguy]

Synchrony isn't too picky when it comes to inquiries or new accounts, just as long as you have a decent TU score you should be fine now and your TU is pretty decent. If your in no hurry, then I suppose you'd have nothing to lose by waiting a few months when your score could possibly be higher, either way you should be good to go now, best of luck.

[woodyman100]

While you're waiting save up a few bucks for the mattress. That way you won't need to finance as large of a purchase.
Pretend you're already making payments,
😊