Has anyone been softed (account review) on TU multiple times in a month by Synchrony lately? I have 4 Visas with them and my Walmart store card as well, so they could certainly be softing for each, but wanted to know if anyone else had been softed by them multiple times in a month lately.
Just like to keep on top of things. Please let me know. Thanks! 
@AverageJoesCredit wrote:
Hi could you let me know how you can verify if a lender is softing you? . Still learning and i believe from what ive read around here you maybe referring to have to actually pull your reports from your free annual credit report to see soft pulls ?Any info on this is greatly appreciated!
Hi, if you pull a full TU, EX, or EQ report directly from TU, EX, or EQ, you should also be able to see soft inquiries as well as hard inquiries. Normally you will need to pay for the report directly from the credit bureau.
I haven't done the free annual (combined) reports in years because the last time I did (several years ago), it did not seem to include all of the information for some reason. Since I haven't pulled the free report for some time, I cannot say if the free annual reports currently include this. Possibly the combined reports may truncate some information.
I do know that the paid, individual reports you purchase from each bureau directly do include this information (these are the individual, not the combined reports). I have one of each in front of me right now and am reviewing them. Hope this helps.
SYNCHRONY BANK
PO BOX 965024
ORLANDO, FL 32896
(877) 294-7880
ORLANDO, FL 32896
(877) 294-7880
Requested On:
04/26/2016, 04/24/2016, 04/17/2016, 04/14/2016, 04/11/2016, 04/07/2016, 04/05/2016, 04/03/2016, 03/28/2016, 01/29/2016
Permissible Purpose:
CREDIT TRANSACTION
Edited to add a possible reason for so many SP's. I have both WM store & MC. Several times this month I used them to check my TU score, to monitor damage. I used the trick I read on this forum to refresh scores which is probably why I have so many SP's. 
Thanks everyone. Dont want to beat a dead horse or anything ( whatever that means ) but im still a little uncertain. I currently suscribe to Transunion , vantagescore, i know i know ,and Credit Check Total, after having Experian credit tracker. Normally when i check my report(s) which is almost daily, i just see
1) Account summary
2) personal info
3) inquiries
4) accounts
5) public records
Havent really seen anywhere to see soft pulls . Havent tried my free reports yet either. Is it like here @ My Fico where i believe tlyou can order each report separetly or all three. Im very interested to be able to see who soft pulls me as it can let you know if you may have chance in future with certain creditor or in this case to see if we are pushing limits with Synch and are ever loving quest gor those pesky Cli's Thanks again. Love the info learned here...
) but im still a little uncertain. I currently suscribe to Transunion , vantagescore, i know i know ,and Credit Check Total, after having Experian credit tracker. Normally when i check my report(s) which is almost daily, i just see1) Account summary
2) personal info
3) inquiries
4) accounts
5) public records
Havent really seen anywhere to see soft pulls . Havent tried my free reports yet either. Is it like here @ My Fico where i believe tlyou can order each report separetly or all three. Im very interested to be able to see who soft pulls me as it can let you know if you may have chance in future with certain creditor or in this case to see if we are pushing limits with Synch and are ever loving quest gor those pesky Cli's
Thanks again. Love the info learned here...
@EmmaGolden wrote:SYNCHRONY BANK
PO BOX 965024
ORLANDO, FL 32896
(877) 294-7880Requested On:04/26/2016, 04/24/2016, 04/17/2016, 04/14/2016, 04/11/2016, 04/07/2016, 04/05/2016, 04/03/2016, 03/28/2016, 01/29/2016Permissible Purpose:CREDIT TRANSACTION
Thank you for letting us know, Emma.
@Anonymous wrote:Has anyone been softed (account review) on TU multiple times in a month by Synchrony lately? I have 4 Visas with them and my Walmart store card as well, so they could certainly be softing for each, but wanted to know if anyone else had been softed by them multiple times in a month lately.
Just like to keep on top of things. Please let me know. Thanks!
Are you requesting a CLI many times during the month. I know every time I've requested an increase there is a SP that shows us the day that I asked for said increase. So if you're requesting CLI's what you're probably seeing is the SP's from that. If you're not then I guess they are monitoring closely.
@Anonymous wrote:
@EmmaGolden wrote:SYNCHRONY BANK
PO BOX 965024
ORLANDO, FL 32896
(877) 294-7880Requested On:04/26/2016, 04/24/2016, 04/17/2016, 04/14/2016, 04/11/2016, 04/07/2016, 04/05/2016, 04/03/2016, 03/28/2016, 01/29/2016Permissible Purpose:CREDIT TRANSACTIONThank you for letting us know, Emma.
You're welcome