Recently I've been working very hard to rebuild my credit. My scores have increased from around 590 range to 640's across the board. Decided it was time to ask for a cli on a couple synchony cards. I have lowes, walmart, and sams club mc. I pused luv button and got the message that a cli could not be processed for me at this time. Well I got the letter in mail. It says my score is 607 as of 3/7/15 but i asked for cli on 5/12/15. Is synchrony really this far behind on the sp score. That's around 33 points. Im sure those points would have helped with a more favorable decision. Any thoughts on this or is this just my bad luck for the moment.
It's probably the most recent pull that was done on your account, and they used it to prevent another pull (most people's scores don't change that dramatically in two months).
You could probably recon it, and ask for a new pull if you are willing to take it (I don't know if they HP or not, but I'd guess HP for CLI).
If your score has significant improved since, definitely called the recon number and discuss with them about that. It's usually a SP for Synchrony, even if the analyst may say ortherwise. I did that last time for my CLI, their report was 6 months out-dated.
Already tried chat. Might call recon line. But definately don't want a HP . Or maybe just wait a couple months till score improves some more. Just paid a couple tax liens off and got expungements. Waiting on CRA's to remove. Maybe then they'll show me some love. Lol
Starting Score: TU 573 Exp 523 Lender Pull, Eq 583