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

Morpho
Valued 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.

Message 11 of 15
Anonymous
Not applicable

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. 

Message 12 of 15
Morpho
Valued Contributor

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


@Anonymous 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?

Message 13 of 15
chiefone4u
Established 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).
Goodwill Saturation Technique

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 3/11/2020: EQ:695, EX:703, TU:720
12/24/2018 -- EQ Beacon 5.0: 678, EX Fico II: 690, TU Fico Classic 04: 716

Goal Score: 740+


Take the myFICO Fitness Challenge

Discover IT $1000Cabelas Clasic $1000Coscto Anywhere Signature Visa -Citi- $7200ExxonMobil Smartcard -Citi- $2500Playstation Visa (Comenity) $1950QuickSilver One $2200Walmart $6000Wells Fargo Platinum Visa $3000

Member of the Synchrony Bank giveth then Taketh away April 2020 Club! $86,900 in available credit gone without warning.

Newest Account July 8, 2020 -- Last HP October 24, 2020 -- Gardening Goal:
August 2022 and reach 0/24
Message 14 of 15
Queen_Etherea
Valued 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 think I've found the sacred map that may lead me to this 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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