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How often does sync bank update scores SP

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jdxprs1
Frequent Contributor

How often does sync bank update scores SP

I recently requested a CLI for my PayPal extras MasterCard. It was declined.

The letter they sent me referenced my credit score from early February.

Anyone know how often they do their soft pulls?
Last app 1/2/2017.
In the garden until at least 6/2/2017.
8 REPLIES 8
Anonymous
Not applicable

Re: How often does sync bank update scores SP

I assume it depends on the card. Both Sam's and Walmart credit cards come with free TU scores so they update monthly. I'm sure someone else can offer more insight to your query.

Message 2 of 9
UncleB
Credit Mentor

Re: How often does sync bank update scores SP

Last June I tried for a CLI on my Lowe's card, and it was turned down due to a credit report from 02/2016.  Since my last 'baddie' had just dropped a few weeks prior this made a big difference for me.

 

I took the advice of some friends on here and gave Credit Solutions a call... I was put on hold for a few minutes while a fresh SP was done (they do that automatically) and I got my CLI... new CL was/is $20k.  Smiley Happy

 

There are a few different number for CS; I prefer the overseas one... 877-379-8173.  Smiley Wink

Message 3 of 9
jdxprs1
Frequent Contributor

Re: How often does sync bank update scores SP

Thanks for the tip. My current limit is only $500. What should I ask for?
Last app 1/2/2017.
In the garden until at least 6/2/2017.
Message 4 of 9
UncleB
Credit Mentor

Re: How often does sync bank update scores SP


@jdxprs1 wrote:
Thanks for the tip. My current limit is only $500. What should I ask for?

It will really depend on your TU (and how much it's improved since your approval).  If you're under 700 you will be more limited, with scores of 730-ish and higher having the best luck with the 'big' CLIs.

 

The good thing is that Credit Solutions does counter, so you can aim high... you might consider $5k. 

 

Something else to consider... you can call back as often as you would like; some have reported even calling back the next day if they felt they had "left some on the table", although I wouldn't recommend being that aggressive these days due to the blue envelope drama.

 

Good luck, and let us know how it goes!  Smiley Happy

Message 5 of 9
Anonymous
Not applicable

Re: How often does sync bank update scores SP


@UncleB wrote:

@jdxprs1 wrote:
Thanks for the tip. My current limit is only $500. What should I ask for?

It will really depend on your TU (and how much it's improved since your approval).  If you're under 700 you will be more limited, with scores of 730-ish and higher having the best luck with the 'big' CLIs.

 

The good thing is that Credit Solutions does counter, so you can aim high... you might consider $5k. 

 

Something else to consider... you can call back as often as you would like; some have reported even calling back the next day if they felt they had "left some on the table", although I wouldn't recommend being that aggressive these days due to the blue envelope drama.

 

Good luck, and let us know how it goes!  Smiley Happy


+1 Good luck.

Message 6 of 9
jdxprs1
Frequent Contributor

Re: How often does sync bank update scores SP

I will let you know. Will be doing it in a couple weeks. Waiting to finish refi first. My tu is around 680 now. Was like 615 when I got the pp extras card.
Last app 1/2/2017.
In the garden until at least 6/2/2017.
Message 7 of 9
Anonymous
Not applicable

Re: How often does sync bank update scores SP

I wonder if I may have to wait a bit longer after all to try a new CLI on my Amazon card. I was meaning to later this month, but my TU FICO score (which Sync tracks and shows on my account) dropped by 3 points. Ironically perhaps, it was because of the $99.99 annual charge that got dropped on the card when I upgraded to Amazon Prime...I should have gone for the monthly charge after all. Oh well, nothing to do but pay it down and try the CLI next month...

Message 8 of 9
AverageJoesCredit
Legendary Contributor

Re: How often does sync bank update scores SP

680 should get you some nice bumps, but as always YMMVSmiley Wink
Message 9 of 9
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