is there a way i can clean up synchrony ?

[hoang817]

i maybe had bad credit with them in the past 12+ years ago,  currently not showing on credit bereaus of anykind but still can not apply anything with them? please help.

[visionsdivine]

Synchrony is pretty forgiving. As long as your credit is decent, a past liability usually doesn't factor into their denial reasons.

[Anonymous]

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@hoang817 wrote:

i maybe had bad credit with them in the past 12+ years ago,  currently not showing on credit bereaus of anykind but still can not apply anything with them? please help.

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So you are applying and getting denied?   Or just no preapprovals?   If the former, what denial reasons do they give?

[GZG]

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@hoang817 wrote:

i maybe had bad credit with them in the past 12+ years ago,  currently not showing on credit bereaus of anykind but still can not apply anything with them? please help.

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which synch accounts did you charge off?

[hoang817]

i think i had mattress firm and jc penny

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@GZG wrote:

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@hoang817 wrote:

i maybe had bad credit with them in the past 12+ years ago,  currently not showing on credit bereaus of anykind but still can not apply anything with them? please help.

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which synch accounts did you charge off?

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[hoang817]

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@Anonymous wrote:

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@hoang817 wrote:

i maybe had bad credit with them in the past 12+ years ago,  currently not showing on credit bereaus of anykind but still can not apply anything with them? please help.

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So you are applying and getting denied?   Or just no preapprovals?   If the former, what denial reasons do they give?

it was preapproval. the denial was credit usuage too high. 

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[FicoMike0]

How high is your credit usage? What are your utilizations?

[hoang817]

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@FicoMike0 wrote:

How high is your credit usage? What are your utilizations?

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[KatzNDawgs]

Oh wow, yeah 99% util is pretty much counted at 100%, that will not look good to any CC company. You need to work on getting those down ASAP. How many cards? Once all get to 89% and under you will get a a score boost, but that is still pretty crippling Util. Under 30% is a better place to be if you can.

[unsungivy]

Oof. At 99% you shouldn't be thinking about any Synchrony cards (which are primarily retail cards, which would just add to your CC debt).

Maybe think about a balance transfer card (but they're likely to deny you as well for the same reason).