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@Anonymouswrote:
I am going off the idea that they have somehow changed policy on their minimum credit score criteria to extend credit to the consumer and that goes to those who even have the card already opened up.
Now that could be ruled out easily by any other person who has less of a score than myself and there card is still open and alive!
I would be curious to see if all the others who have their card shutdown on here out of nowhere have maybe something like mine or just below 700.
Still seems odd to me but it is just a theory for sure. I actually was due on here to review my credit reports so I pulled all 3 this morning.
No significant changes in any of the FICO scores, if anything my FICO 9 scores went up a tad bit. No new negative or derogatory info. Utilization is down to 23% from previously being 25% last month.
I really do not see anything on any of the 3 reports and especially the EX that stick out to cause a problem.
I don't think Walmart is closing accounts citing an EX score of 667 as being too low. Many of were approved with much lower scores. That would be big jump to consider 667 as too low. I think something else is going on.
Have you added a lot of new accounts?
@Anonymouswrote:
@Anonymouswrote:
I am going off the idea that they have somehow changed policy on their minimum credit score criteria to extend credit to the consumer and that goes to those who even have the card already opened up.
Now that could be ruled out easily by any other person who has less of a score than myself and there card is still open and alive!
I would be curious to see if all the others who have their card shutdown on here out of nowhere have maybe something like mine or just below 700.
Still seems odd to me but it is just a theory for sure. I actually was due on here to review my credit reports so I pulled all 3 this morning.
No significant changes in any of the FICO scores, if anything my FICO 9 scores went up a tad bit. No new negative or derogatory info. Utilization is down to 23% from previously being 25% last month.
I really do not see anything on any of the 3 reports and especially the EX that stick out to cause a problem.I don't think Walmart is closing accounts citing an EX score of 667 as being too low. Many of were approved with much lower scores. That would be big jump to consider 667 as too low. I think something else is going on.
Have you added a lot of new accounts?
I would look at that, too. App sprees have been known to scare issuers such as Chase, and there were a couple of articles from Experian posted yesterday about "bust out" fraud, for which app sprees are considered one of the warning signals (in conjunction with others), that are worth considering.
@Meanmchinewrote:There are dozens of reasons why this could have happened to you. You have given us no information to go on here. "Paying on time" is not the same as PIF. And Synchrony closing accounts randomly is not a true statement. There is ALWAYS a reason. The answer is in your credit report somewhere.
Exactly! I do however see that OP's scores are low not sure why but that may hint at the possible AA or something in his or her credit report.
I know EXACTLY what is on my reports, I know my current util down to the nearest dollar, the reason why my scores are the way they are and when they will be going up. Synchrony didnt wake up yesterday and say "we are below quota on our random closings. Who is next up?" There is a reason why you were picked.
If you want a clue as to why Sychrony MIGHT have done this, google "Experian Bust Out" and see how many triggers you have
@Meanmchinewrote:I know EXACTLY what is on my reports, I know my current util down to the nearest dollar, the reason why my scores are the way they are and when they will be going up. Synchrony didnt wake up yesterday and say "we are below quota on our random closings. Who is next up?" There is a reason why you were picked.
If you want a clue as to why Sychrony MIGHT have done this, google "Experian Bust Out" and see how many triggers you have
You hungry?
If there have been excessive accounts opening in the last year or so then this is a good possibility
https://www.experian.com/assets/decision-analytics/white-papers/bust-out-fraud-white-paper.pdf
@Remedioswrote:
@Meanmchinewrote:I know EXACTLY what is on my reports, I know my current util down to the nearest dollar, the reason why my scores are the way they are and when they will be going up. Synchrony didnt wake up yesterday and say "we are below quota on our random closings. Who is next up?" There is a reason why you were picked.
If you want a clue as to why Sychrony MIGHT have done this, google "Experian Bust Out" and see how many triggers you have
You hungry?
You treating?