Synchrony using old score for CLI request?

[Mischa]

I've been trying to request a CLI on my Ashley account through Synch. They keep denying me and the letter they send is using an outdated score and citing an unpaid collection. They have the score date listed as being pulled back in March. My score has  increased substantially since then and the collection was deleted beginning of April. 

I understand most lenders soft pull reports quarterly, but the issue is I can see on my reports they did a soft pull review on 5/10. Why would they be using the old score from March if they've done another review since then? Seems very odd.

How long should I wait until I try again? Has anyone experienced anything similar with Synch? 

[FinStar]

Was the CLI request submitted online or the automated system?  I'd suggest waiting about a month or so and perhaps see if this can be done through their Credit Solutions team.  Typically, they'll be able to pull a fresher [SP] report.

[Mischa]

@FinStar online through their app. That's what I don't understand though. Why pull a report on 5/10 and then go back to the March one to make the decision based on. 

Should I wait a month, try again and then call if I get the same result? I often read here to not poke the Synch bear so I'm hesitant, haha. 

[FinStar]

SYNCB uses trended data, and some of the pulls (when evaluating account data) may lag with the updates.  Account reviews that you may see may not necessarily correlate with the ones that may eventually grant a CLI.  This is why it's recommended to call their Credit Solutions team so they can review things with a fresh pull. 

I would say a month or so sounds reasonable, but don't submit the CLI request online, just call Credit Solutions instead.  Their numbers can be found here (in the Synchrony section).

[Mischa]

@FinStar this was very helpful. Thank you! 

[JLRDC909]

FYI, Citibank does this also, it can take a few months before they see a rise in score.