...trying to calm my hysteria. 
I've got six Synch accounts. $9035 balances vs. $12400 in credit lines equals 73% average util.
DW has six Synch accounts. $9951 balances vs. $14400 in credit lines equals 69% average util.
We have one joint Synch account. $1711 balance vs. $2200 credit line equals 78% util.
After reading this thread (and checking my blood pressure), I just logged in to all thirteen of them.
They all seem fine, no issues.
Household income is 94k.
No late payments ever. Total util for both of us is similar to what you see above. (Mine is at 69%, hers is at 75%)
That chart is definitely interesting, what company does that cover? I wonder if they factored the population percentage though into the scale. Doesn't 660-730 makes up most of the general population?
That chart came from the STL Fed if I recall and covers all card issuers, at least all they could aggregate. I am not sure about your second question, but I would think the scores come from the issuers data, WaveRider. The other ends make sense, subprime and 820 plus crowd (likely PIF so most profit comes from swipe fees, which are likely higher due so to income) but I never would have thought 710 is a "danger zone" credit score.
@waynes1982 wrote:So just some data points for everyone:
In March I received a call from Synchrony that they had information concerning my accounts. I called in and said I would get the form in 7-10 days, got the form and it was the 4056-T form. So I sent in the forms to comply.
End of March I called to see if they received the forms, and of course they hadn't received the forms... you only have 30 days to send in the the forms before they completely close the accounts out.
I said I have proof you received the forms and to do some research as the 30 days is coming close, and I don't want the accounts closed.
Called in april 1st, the forms were received that same day(which is a lie but oh well) and they have 30 days to process the forms and would receive notification in the mail...
Called in end of April said I would be notified via writing.
April 30th notification received that they decided to terminate our relationship and close the accounts and any accounts with balances could be paid based upon original agreements and such. I only owed a balance on my lowes account of like $1,800.
Beginning of May I started to receive alerts that accounts were closed with the "Account Closed by Creditor" notification. I was worried this would impact my other accounts, and so far nothing has happened.
I did have over 19 synch accounts with well over $100k in exposure from them. I was going to start to close some out but they did it for me.
In March they did SP my report prior to blocking me, and at the time I did have a BK reporting that was due to fall off in October of this year.
They didn't close my Joint Care Credit Account which I was surprised, but I'm only the co-borrower.
I have since opened up a Marvel Mastercard ($25K) and a Toys R Us Card($8K) with them and so far I've been good. If they close them they close them, but I'm not opening up anymore accounts with them.
I'm thinking they didn't like my profile with the BK on there at the time, plus all my new accounts and total credit at the time with them.
Hope this helps everyone!
Thanks for your honesty and sharing your story with us. It's much appreciated!