Synchrony Black List

Anonymous · ‎04-28-2016

I have Synchrony cards charged off from five years ago from a divorce. Will this prevent approval for Synchrony cards now since the chargeoffs are still on my credit report? I haven't apped yet because I don't want to get a HP if they blacklist for this kind of thing.

Anonymous · ‎04-28-2016

Was the chargeoff more or less than 5k?

Anonymous · ‎04-28-2016

@Anonymous wrote:
Was the chargeoff more or less than 5k?

Less than.

lindsaydruart · ‎04-28-2016

No, I reopened all but one of my old Synch cards that COed and I'm at a little under 30k with them.

Gardening since 12/15/2019. Goal 12/15/2021
FICO 8 as of 12/16/2019 - EQ 602 EX 656 TU 628

UncleB · ‎04-28-2016

From what I can tell (and from unfortunate past experience) I can say Synchrony seems to be quite forgiving once enough time has passed, much like Capital One.

As long as your TU (or occasionally EX) score is sufficient I would say you have a good chance with getting back with them.