Denied for Sony Card / Synchrony Pulled EX

psimac · ‎09-29-2014

HI,

Just applied to Sony store card with Synchrony and I was surprised that they pulled Experien instead of TU. As my EX is not my best score I was denied (they reported 621). I already have an Amazon for $1,600 with a $100 balance. Any advice?

chalupaman · ‎09-29-2014

Did you try recon yet?

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down

psimac · ‎09-29-2014

I will tomorrow and provide an update.

B335is · ‎09-29-2014

Sorry for the denial. Synchrony does not reconsider denials.

Anonymous · ‎09-30-2014

Sony, is not like usual GE cards, ie Walmart. Like their furniture branded CCs, they pull EX and the CLI'S are HP's 99% of time.

Anonymous · ‎09-30-2014

Unless there is another Sony cc, it is through Capital One, not Synchrony and they usually pull EQ.

B335is · ‎09-30-2014

@Anonymous wrote:
Unless there is another Sony cc, it is through Capital One, not Synchrony and they usually pull EQ.

There's both Cap1 and Synchrony.

Anonymous · ‎09-30-2014

@B335is wrote:
@Anonymous wrote:
Unless there is another Sony cc, it is through Capital One, not Synchrony and they usually pull EQ.
There's both Cap1 and Synchrony.

Never heard of a Synchrony Sony cc. Hmmm

SunriseEarth · ‎09-30-2014

@Anonymous wrote:
@B335is wrote:
@Anonymous wrote:
Unless there is another Sony cc, it is through Capital One, not Synchrony and they usually pull EQ.
There's both Cap1 and Synchrony.
Never heard of a Synchrony Sony cc. Hmmm

Capital One offers a cobranded Visa CC with purchases earning Sony Rewards points. Synchrony offers a store card with special financing offers. My Sony Card app generated the famous Cap One triple pull

Anonymous · ‎09-30-2014

@SunriseEarth wrote:
@Anonymous wrote:
@B335is wrote:
@Anonymous wrote:
Unless there is another Sony cc, it is through Capital One, not Synchrony and they usually pull EQ.
There's both Cap1 and Synchrony.
Never heard of a Synchrony Sony cc. Hmmm
Capital One offers a cobranded Visa CC with purchases earning Sony Rewards points. Synchrony offers a store card with special financing offers. My Sony Card app generated the famous Cap One triple pull

Oh no! Thank goodness when I app'd for Kohl's they only pulled EQ. Got worried it would be a triple since it's Cap 1.