Zync Approval!!!!!!

[Bcunniff9]

So I just applied for the Zync, I got the "Cant process in 60 seconds" response. So I checked the status online and I got APPROVED!!! So happy!! I got declined for a Visa Classic at my CU but approved for the Zync. I have several baddies on my reports which include...

Equifax

BOA - Closed - 30,60,90 on two accounts (PAID)

DOE SM - Open - 90,120,120,120 (CURRENT)

Equible Accent Collection - Open - $1866 Past due. Its paid (11/10) they wont update for some reason.

TransUnion

BOA - Closed - 30,60,90 on two accounts (PAID)

Chase - Closed Charged Off - (PAID)

DOE SM - Open - 90,120,120,120 (CURRENT)

So I got approved for now with an open collection. Hopefully FR wont close the account anytime soon. 

I had an inquiry for Orchard on my reports from 10/10 but it disappeared today after I called for a CLI. So I just said the heck with it and I cold app'd. 

Scores in my sig

[-Cain-]

Congrats on the Zync! I've been itching to get one, but my EX isn't as nice as my EQ at the moment, so I was declined but told to apply again in a few months

[smc733]

These threads make smc cry, but seriously, congratulations on the new card!

[Anonymous]

congrats i just got mine approved!!

[Tazman81]

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@Bcunniff9 wrote:

So I just applied for the Zync, I got the "Cant process in 60 seconds" response. So I checked the status online and I got APPROVED!!! So happy!! I got declined for a Visa Classic at my CU but approved for the Zync. I have several baddies on my reports which include...

Equifax

BOA - Closed - 30,60,90 on two accounts (PAID)

DOE SM - Open - 90,120,120,120 (CURRENT)

Equible Accent Collection - Open - $1866 Past due. Its paid (11/10) they wont update for some reason.

TransUnion

BOA - Closed - 30,60,90 on two accounts (PAID)

Chase - Closed Charged Off - (PAID)

DOE SM - Open - 90,120,120,120 (CURRENT)

So I got approved for now with an open collection. Hopefully FR wont close the account anytime soon. 

I had an inquiry for Orchard on my reports from 10/10 but it disappeared today after I called for a CLI. So I just said the heck with it and I cold app'd. 

Scores in my sig

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Is the collection on your Experian report as well?  Sometimes collections will show up on one report but not others.  AMEX normally pulls Experian, so if they did this for you as well and may not have seen a collection if it is not there.

[Bcunniff9]

First, thank you all. Secondly, its strange because the collection is listed on TU, but on EQ its under the account section with 120+ late. On my CCT TU report it is also listed as a collection, but, it says its closed with a balance.