So.... I called Paypal to finalize the PPC line closure before the "Site Maintenance" ... not what I expected at all.
Been Paypal since 2001, ebay, PP, SmartConnect, PP Rewards MC, PPC -> originally BillMeLater. Never Late, never issues, ideal customer.
Wouldn't know it:
Zero Balance PPC
Zero Balance PPMC
Cash on Hand in PP acct
Very Polite and asked if I could inquire about the up coming transition to Sync... Sure he says... Can you tell me how this tradeline will be reported? "I can't tell you how it's going to be reported, BUT I can tell you it will be reported.
I said, "I have no issue with it being reported, "GOOD" he interjected ... "because they are going to report the good, the bad, and the ugly" he says... "Since this account has never experienced bad or ugly" I said, "Does that mean they are going to report all the information including the original opening date?" I ask
"Sync is under no obligation to report information that they don't have, they will report from when they took over"
I perceived ALOT of attitude from this Account Rep. I asked if I could close the account to avoid a new account out of the blue...
He says, " I never recommend closing an account, but I would be happy to close yours" I never got riled up or confrontational, perfect gentlemen, But I have to say I have never had a CSR talk to me like these 2 did (see below).... and I have a pretty thick skin, but this was "Very Noticeable"
PPC - Account Closed.
Since I was dealing with PP I tried Credit Solutions for a CLI in my PPMC - The British cant hide "tone" in their voice ... it's genetic, DNA maybe... I know I am married to one.
So after thinking about for like 30 seconds, she came back with.... "Mr XXXX I am sorry, I cannot offer you anything, as a matter of fact you can not have an increase on any of your Sync accounts, is there anything else?" Not the lovely British girl who said "Let me check"... but the not so pleasant tone one...
Wow. Fast Forward 5 days here comes the mail.
Based on data in your credit file dated 12/18 ..... "Since not much has probably changed recently"
CLI request in May 1 2019 denied using March date - 2 months old
CLI request in June 2019 denied using December 2018 Data - 6 months old
Seems if they don't want to help you, they use old data to deny you.
DATA:
Jan 2019 - FICO8 640 - 85% Util (24K of 28K) DTI: ~
Jun 2019 - FICO8 740+ - 16% Util ( 9K of 58K) DTI: 16% 3 CC < 49% + 1 Store Card < 22% - 6 CC's= 0 Bal - 2 Installs - 1student/1Prosper
Lates: NONE - (BK from 2009 "No Longer Reporting" Showing a "Clean File" finally)
AAoA 5 yrs
Old - 15yrs
2 TU - 0EX - 0EQ
2 TU Inq were: Prosper opened April / NFCU CC opened May 2nd
2/6 - 0/12 - 0/24
FNBO, Discover, NFCU, Venture1, QS1, Cabelas, Merrick, Mercury, PPMC, Amazon (Sync), JCP
