My reports being frozen are a little annoying when I want to Sync!

[Creditaddict]

A new Sams store card arrived today from my app last month before I went into the garden (I applied for a Sams MasterCard) and it went to verification and she then said she was verifying for a store card not a MC and I told her to cancel the app... clearly that didn't happen... Store card Arrived with $837 limit which is cute since I closed a $10k limit store card a day before applying for MC.

I figured, it's open now and on my reports probably since last month knowing how fast Sync reports I may as well CLI and keep it until I leave garden and try for MC again.. called CS and she puts me on hold to only come back 4 minutes later stating my reports are locked and they will need TU unlocked to be able to get a SP updated report... Sigh!

Now I either:

A. Close it

B. Leave it at $837

C. Pay $10 to unlock my TU just so Sync can SP my report to do a CLI

[willwar14]

i was able to unlock my tu online for free actually.. that sucks!! i would contact synch's corp office and see if they will remove the account, since you said you didn't want the store card and to cancel the app, and the rep clearly didnt!

edit: so i guess that 12 month rule doesn't apply anymore? like if you've had the store card in the last 12 months you cant get it until that 12 months has passed?

[ddemari]

I can't freeze TU because I know synch won't give luv lol. And that 12 month rule is true when they want it to be. I couldn't get TJX for a full year before getting it again. Closes Walmart store card February 2015, approved for the MasterCard February 2016.

[Creditaddict]

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@ddemari wrote:
I can't freeze TU because I know synch won't give luv lol. And that 12 month rule is true when they want it to be. I couldn't get TJX for a full year before getting it again. Closes Walmart store card February 2015, approved for the MasterCard February 2016.

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yeah, the 12-month rule is why I applied for the MC again because I knew I would be declined if I didn't get approved MC... UGH SYNC!

and they pulled a 702 TU which is WAY in MC area for Sync... I just don't get it!

[willwar14]

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@ddemari wrote:
I can't freeze TU because I know synch won't give luv lol. And that 12 month rule is true when they want it to be. I couldn't get TJX for a full year before getting it again. Closes Walmart store card February 2015, approved for the MasterCard February 2016.

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my exposure with synchrony is 96.8k... im curious as to what yours is? and your saying that once you closed your tjx store card you wernt able to get them to even pull another report for the mc until 12 months had passed?

[ddemari]

Earlier today my exposure with synch 99,800.
I lowered some cards and got it down to 80000.

For a full year when I would apply they would hard pull TU and auto decline and each letter would state because I currently have a TJX account. Even though it was closed.

[Anonymous]

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@willwar14 wrote:

i was able to unlock my tu online for free actually.. that sucks!! i would contact synch's corp office and see if they will remove the account, since you said you didn't want the store card and to cancel the app, and the rep clearly didnt!

edit: so i guess that 12 month rule doesn't apply anymore? like if you've had the store card in the last 12 months you cant get it until that 12 months has passed?

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I didn't have an issue reapplying for the Walmart store card after I accidentally closed it (some type of system issue-long story). I did it within 24 hours and was instantly approved for the MC.

SN: I've never heard of the 12 month rule before reading it in your post.

[Creditaddict]

You got how it's suppose to be... Closed store and got mc... The sync rule supposedly is no store card in 12 months from closing one but mc yes

[Anonymous]

Can I ask, since you seem to be into credit cards as a hobby - why you would lock access to your TU, EX, EQ? It seems you would want the creditors to be able to SP your reports to offer your CLIs or PreQual offers? Am i missing something here?

EDIT: Oh wait, I see you were supposedly "in the garden" got it. 

Have a great day!

[Anonymous]

Sorry that happened, CA. baller4 and a few others reported that 728 plus FICO was generally needed to get Sam's MC and not risk getting the store card, so that is the criteria  I followed when I applied.