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Does anyone know when Care Credit updates their internal fico scores?

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Regular Contributor

Does anyone know when Care Credit updates their internal fico scores?

or Sychnrony in general?

I just got a denial with a score from 04/04/19...

 

Not sure if this goes here, so feel free to move!

Message 1 of 15
14 REPLIES 14
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Valued Contributor

Re: Does anyone know when Synchrony updates their internal fico scores?

Did they HP you?

 

If not, then it's nothing to worry about.  Give it a month and try again.  If you were previously denied then it's a stale SP score but, getting them to recon anything is like pulling teeth.

500K+ TCL / 800+ FCOs
Message 2 of 15
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Regular Contributor

Re: Does anyone know when Synchrony updates their internal fico scores?

No this was a soft pull. My TU went from 604 to 683 so I'm trying to get a CLI on Care Credit and my PPC 2% because I've ready 680 is typically good enough for a CLI. I guess I'll keep trying. 

Message 3 of 15
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Valued Contributor

Re: Does anyone know when Synchrony updates their internal fico scores?

Ahh, that make sense then.  Care Credit is the oddball that updates every 4-6 months between CLI's.  I can't recall exactly whcih of the two it is but, someone should chime in that has the card.  Maybe go back to the 1st post and change the subject to include Care Credit.

500K+ TCL / 800+ FCOs
Message 4 of 15
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Valued Contributor

Re: Does anyone know when Synchrony updates their internal fico scores?

They have gone back as far a 6 months on many of my denials. It is literally like pulling the handle on a slot machine.




"I thought credit was over in 2008. Never underestimate the ability of central bankers to blow a bubble." - Me
“If you don’t know, the thing to do is not to get scared, but to learn.” – Ayn Rand
Message 5 of 15
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Regular Contributor

Re: Does anyone know when Synchrony updates their internal fico scores?

Thanks!

 

I guess I will try monthly? I don't want AA or something for asking too much though. 

Message 6 of 15
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Super Contributor

Re: Does anyone know when Synchrony updates their internal fico scores?


@CreditJourney007 wrote:

Thanks!

 

I guess I will try monthly? I don't want AA or something for asking too much though. 


There are people here who ask Sync and Disco so many times that they could wallpaper their entire houses with denial letters. Wouldn't really worry about it. 



01/2019:
02/2020:

Closed: CareCredit $10K, B&H Payboo $7500
Hover over my cards to see my limits!
Goal cards: Cash+, Freedom.
Message 7 of 15
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Valued Contributor

Re: Does anyone know when Synchrony updates their internal fico scores?


@Saeren wrote:


There are people here who ask Sync and Disco so many times that they could wallpaper their entire houses with denial letters. Wouldn't really worry about it. 


this!




"I thought credit was over in 2008. Never underestimate the ability of central bankers to blow a bubble." - Me
“If you don’t know, the thing to do is not to get scared, but to learn.” – Ayn Rand
Message 8 of 15
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Regular Contributor

Re: Does anyone know when Synchrony updates their internal fico scores?


@Saeren wrote:

@CreditJourney007 wrote:

Thanks!

 

I guess I will try monthly? I don't want AA or something for asking too much though. 


There are people here who ask Sync and Disco so many times that they could wallpaper their entire houses with denial letters. Wouldn't really worry about it. 


LOL, I'm the same with Disco. How annoying, I wish they'd just email a denial.

Message 9 of 15
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Super Contributor

Re: Does anyone know when Synchrony updates their internal fico scores?


@CreditJourney007 wrote:

@Saeren wrote:

@CreditJourney007 wrote:

Thanks!

 

I guess I will try monthly? I don't want AA or something for asking too much though. 


There are people here who ask Sync and Disco so many times that they could wallpaper their entire houses with denial letters. Wouldn't really worry about it. 


LOL, I'm the same with Disco. How annoying, I wish they'd just email a denial.


I stopped asking for now. They seem to only want to increase my limit when they're no longer my highest limit. At $12,700 though, I really don't need more so I'll save some trees. 

I try Sync at least once a month for my PayPal card. My Amazon seems to be on a fixed 3 month schedule so I save some trees. 



01/2019:
02/2020:

Closed: CareCredit $10K, B&H Payboo $7500
Hover over my cards to see my limits!
Goal cards: Cash+, Freedom.
Message 10 of 15
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