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Why does my PPMC EQ report update daily?

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Regular Contributor

Why does my PPMC EQ report update daily?

Like.. why? This is super annoying.

 

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EX: 797 F8 - 3 inquiries
EQ: 798 F8 - 2 inquiries
TU: 799 F8 - 7 inquiries

Synchrony PayPal Mastercard Jul 11, 2019 SL: $2k - CCL: $10k
NFCU More Rewards Sep 13, 2019 SL: $1k - CCL: $7k
Synchrony Sam’s Club Mastercard Sep 15, 2019 SL: $1.5k - CCL: $3.5k
American Express EveryDay Preferred Sep 23, 2019 SL: $2k - CCL: $2k
Synchrony Lowes (AU) Nov 20, 2019 SL: $10k - CCL: $10k
TD Bank Target RedCard (AU) Nov 26, 2019 SL: $300 - CCL: $800
NFCU cashRewards Dec 15, 2019 SL: $200 - CCL: $5k
Macy’s Store Card Dec 24, 2019 SL: $500 - CCL: $21.5k
Synchrony Amazon Store Card Dec 24, 2019 SL: $150 - CCL: $1.5k
Synchrony Rakuten Visa Jan 15, 2020 SL: $2k - CCL: $2k
Synchrony CareCredit (AU) Feb 03, 2020 SL: $10k - CCL: $10k
BB&T Bright Aug 27, 2020 SL: $7.5k - CCL: $7.5k
American Express Amazon Business October 10, 2020 SL: $3k - CCL: $3k
Message 1 of 18
17 REPLIES 17
Highlighted
Regular Contributor

Re: Why does my PPMC EQ report update daily?

That is the weirdest things I have ever seen all of my Synchrony cards report when the statement cuts and somewhere in between like mid month. Though I don't have Paypal I have Ebay and so far that has not happened. Maybe message Synchrony Online or call them.



Things to do in 2020:
1. Pay off and get rid of Credit One.(Pay off done! Now to close it.)
2.Removal of late payments with my mortgage company.(I am currently working on this.)
3.Personal Loan through Navy Federal for payoff of HELOC or mortgage refinance Membership was approved.
Closed Cards/Accounts:
Message 2 of 18
Highlighted
Established Contributor

Re: Why does my PPMC EQ report update daily?

Sync off cycle reports very frequently. I'm surprised they reported your zero balance because they usually only report when your balance goes up or at statement time. I think they do it to rat you out to all of your creditors. Don't use their cards if you are about to make an important app like a mortgage. It annoys me greatly. Assume any charge you make on a Sync card might be reported as soon as it posts.

Current Cards (in order they were approved with current limits):
Cap1 QS (plat.) $2750
Kohls $3K
Cap1 Savor $5K
PenFed Power Cash Rewards $2K
NFCU CashRewards $10K
NFCU MoreRewards $16.5K
Cap1 Venture $30K
PenFed Gold $2K
Ollo Rewards $3.2K
Sync Amazon $10K
NASA FCU Platinum Cash Rewards $3K
Disco It #2 $14.8K
DCU Visa $10K
NFCU Flagship Rewards $27.5K
Sync Care Credit $15K
PenFed Power Cash Rewards #2 $39K
WF Propel $5K
Comenity AKC $10.5K
Apple (GS) $6.5K
TD Cash Credit Card $6K
Rakuten Siggy Visa $6.5K
BBVA ClearPoints Visa $10K
Disco It #3 $8K
AOD Signature Visa $15K
PayPal MC $5K
PenFed Platinum Rewards Visa Siggy $7K

BK 7 discharged July 2016




Message 3 of 18
Highlighted
Valued Contributor

Re: Why does my PPMC EQ report update daily?

WOW. That's insane. They did a mid-cycle report for me once and I thought THAT was annoying lol. This is just excessive. 





Message 4 of 18
Highlighted
Established Contributor

Re: Why does my PPMC EQ report update daily?

@AddictedToApprovals 

On the bright side you did get bunch of free FICO 8 score updates.  Smiley Happy

Current Cards (in order they were approved with current limits):
Cap1 QS (plat.) $2750
Kohls $3K
Cap1 Savor $5K
PenFed Power Cash Rewards $2K
NFCU CashRewards $10K
NFCU MoreRewards $16.5K
Cap1 Venture $30K
PenFed Gold $2K
Ollo Rewards $3.2K
Sync Amazon $10K
NASA FCU Platinum Cash Rewards $3K
Disco It #2 $14.8K
DCU Visa $10K
NFCU Flagship Rewards $27.5K
Sync Care Credit $15K
PenFed Power Cash Rewards #2 $39K
WF Propel $5K
Comenity AKC $10.5K
Apple (GS) $6.5K
TD Cash Credit Card $6K
Rakuten Siggy Visa $6.5K
BBVA ClearPoints Visa $10K
Disco It #3 $8K
AOD Signature Visa $15K
PayPal MC $5K
PenFed Platinum Rewards Visa Siggy $7K

BK 7 discharged July 2016




Message 5 of 18
Highlighted
Moderator

Re: Why does my PPMC EQ report update daily?

Synchrony isn't consistent with this, either, but they're the only creditor that I have seen do this (other than Chase when an account is paid to $0).  My Rakuten card turned a month old yesterday and with only 1 statement cut, Synchrony has already done 4 bureau updates.  My Lowe's and Amazon card never reported off-cycle as far as I can recall, nor did my PayPal Credit account which I paid off within a month or two of Synchrony acquiring that account from Comenity.

Message 6 of 18
Highlighted
Super Contributor

Re: Why does my PPMC EQ report update daily?

Sync did this to me the first few months after I got my Amazon and PayPal cards. It stopped and hasn't occurred since. Just one of their quirks. 




Message 7 of 18
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Moderator

Re: Why does my PPMC EQ report update daily?


@AddictedToApprovals wrote:

Like.. why? This is super annoying.

 

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Because Synchonary 

Message 8 of 18
Highlighted
Moderator

Re: Why does my PPMC EQ report update daily?

On a serious note, I closed my only card with them because of reporting every three days, or whenever I bought something.  

It was annoying me. 

Message 9 of 18
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Community Leader
Valued Contributor

Re: Why does my PPMC EQ report update daily?

My Verizon Visa was opened June 24th, with first statement closing 17th. They've reported 3 times already. Definitely annoying!!

Message 10 of 18
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