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

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Established Contributor

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

I have a Synch Visa and the FICO updates on the first of every month.

I just returned from financial hell. Don't go, the brochure is a lie.
Message 11 of 15
Senior Contributor

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


@Morpho wrote:

I have a Synch Visa and the FICO updates on the first of every month.


The FICO on the site and the FICO they use for CLIs can be entirely different. 

70DD1A3B-9DE6-4CBB-A6D9-BA705BE22054.jpeg
Scores 1/2019:
Scores 8/2019:

Hover over my cards to see my limits!
Goal cards:
Message 12 of 15
Established Contributor

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


@Saeren wrote:

@Morpho wrote:

I have a Synch Visa and the FICO updates on the first of every month.


The FICO on the site and the FICO they use for CLIs can be entirely different. 


lol. I guess I shouldn't be surprised. I noticed a similar thing with Comenity. Not that they provide a FICO, but whenever I request a CLI the FICO they send me in the mail will have a date they supposedly pulled it, but it will match a score from several months ago.

 

So what's the rule for Synch? Which FICO and when is it pulled when you request a CLI?

I just returned from financial hell. Don't go, the brochure is a lie.
Message 13 of 15
Contributor

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

Not sure how in stone this is, but my experience lately has been instant approval within 5 days of updated score on the cards website. After 5 days it's an instant denial, the denial letter always says something along the lines of -- your TU is inaccessible and we want to verify the information you've provided.

My TU is frozen, if I unfreeze it I either get instant approval or a letter saying I haven't paid down enough of my mortgage balance (FICO score dated same day as request).

As far as Care Credit goes, for me, they only approve every six months. But I try all Synchrony cards around the 1st of the month (skipping any card that recieved CLI during preceding 31 days -- trying to cut back on confetti).
Starting Score: EQ:608, EX:617, TU:625
Score 10/2018: EQ:669, EX:686, TU:668
Score 11/17/2018: EQ:682, EX:681, TU:683
Current Score 7/7/2019: EQ:705, EX:672, TU:694
12/24/2018 -- EQ Beacon 5.0: 678, EX Fico II: 690, TU Fico Classic 04: 716

Goal Score: 740+


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Message 14 of 15
Established Contributor

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

I could build the Eiffel Tower with the amount of denial letters I've gotten from Synchrony, Commenity, CapOne, and Discover lol. I've narrowed it down to asking for CLI's once a week on Monday's. 

I’m probably never finding that garden everyone keeps talking about.



Officially collection free as of 3/19/19!!
STARTING SCORES: 377 (11/2013) & 580 (3/2018)
Message 15 of 15
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