Google store financing account.

[Anonymous]

Just wondering the odds of approval are for Google store I tried applying 3 months ago but was denied sadly I'm not gonna apply again for a few months but my scores right now are at 663 pretty much all round and recently got my last collection account removed from my report just seeking opinions thank you.

[Anonymous]

It’s a Synchrony card account. Best approval odds with Sync are with a 700 TU FICO but they’ve been known to approve quite a bit lower for store cards (they gave me my Amazon Store Card with an $1800 limit when I was at 652), 700 is just much more likely to get a good limit (for reference, when I got my TU to 706 less than two weeks after I got the Amazon card they approved me for $8K on the PayPal Cashback MasterCard). 

Are the scores you listed FICO or do they come from Credit Karma/Credit Sesame/another purveyor of useless VantageScore?

[Anonymous]

The 663 is credit karma but like I said my fico is 655 which is why I said they are all pretty much around the same

[Anonymous]

---

@Anonymous wrote:
The 663 is credit karma but like I said my fico is 655 which is why I said they are all pretty much around the same

---

You didn’t say you had a 655 FICO, you just said that all of your scores were pretty much 663 so I had to ask because we get a lot of Vantage posts around here. 

What FICO is 655? And what else is holding back your scores? 655 with no collections is very low unless you have other problems like high utilization, public records, etc. 

Assuming it’s 655 with a single old collection that hasn’t been removed from the report yet and no other negatives, do you have any maxed out or close to maxed out cards? Ideally you want to have no more than 8.9% of your total credit lines and no more than 28.9% of an individual card in use if you’re going for a new one. 

[Anonymous]

No honestly I had 1 collection account that was just removed thanks to a good will letter a couple days ago no other bad marks than no I have 3 credit cards with an 6 percent utilization and a 17k auto loan 1 month old I think the thing hurting the most is my average age of accounts which is only like 7 months my oldest credit card being 14 months.

[Anonymous]

And sorry the clarify I get my fico from my Citibank card the Citi double cash card.

[Anonymous]

Citi uses a different FICO. Bankcard enhanced I think. 

Can you grab the Experian app and sign up for a free account and tell me what that score is? That will be your Experian FICO 8. There’s no charge for the service unless you want to get all 3 bureau scores (the app will let you try CreditWorks Premium free of charge for 7 days if you want those). 

Alternatively you can go to www.creditscorecard.com and get Experian 8 free from Discover. 

I would be surprised if your 8s aren’t more around 670+ with no collections. 

My scores are TU 708, EQ 658, EX 670 right now and all three have my 2010 Chapter 7 bankruptcy on them and EQ and EX have my 2012 student loan late payments and car repo on them. My AAoA is > 2 years but that’s 15-20 points or so. Before I got the repo and lates off TU it was 652 to give you an idea. 

Based on the stats and the goodwill success, I am tentatively leaning towards you getting an approval but I would need the real FICO 8s since that’s what Synchrony uses to make sure (Synchrony almost exclusively pulls TU). 

[Anonymous]

Oh wow so I downloaded that Experian app and it's saying my score is 700 I really can't believe that... That really awesome thanks for the tip

[Anonymous]

No problem!

It updates monthly and gives you free Experian monitoring so its worth keeping. 

Assuming the data on Experian and Transunion is the same, you should be good to go with Synchrony when you apply in a few months.

[Anonymous]

Thank you I appreciate the advice hopefully so sync has denied me for both Amazon and Google in the past I think cause of the collection account I'll let you know in a few months how it goes 😊 700 was a nice surprise.