Synchrony

[bigpoppa09]

It has been known for a while they primarily pull TU. Earlier today i did some prequals on some of there cards. Afterwards i checked all 3 bureaus and there were no SP on TU OR EX  just EQ now that was interesting. 

[Tdatb64]

Do you already have a Synchrony card or have you tried to prequal one in the past 3 months? Sync is known for using old soft-pulls - with their huge portfolio of cards it would cost them a lot of money to do fresh soft-pulls every time someone tried to prequal.

[bigpoppa09]

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@Tdatb64 wrote:

Do you already have a Synchrony card or have you tried to prequal one in the past 3 months? Sync is known for using old soft-pulls - with their huge portfolio of cards it would cost them a lot of money to do fresh soft-pulls every time someone tried to prequal.

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No Synchrony cards  i just ran another prequal with EX,TU froze EQ unlocked and it gave me a offer. This is interesting now.

[bigpoppa09]

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@Tdatb64 wrote:

Do you already have a Synchrony card or have you tried to prequal one in the past 3 months? Sync is known for using old soft-pulls - with their huge portfolio of cards it would cost them a lot of money to do fresh soft-pulls every time someone tried to prequal.

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Here is photo the SP on EQ from yesterday and the SP from today. 

[OverCL]

Got a preselected mailer for Synchrony Plus Mastercard. Starting limit $7000, not bad.  My experian FICO 8 was 666. They pulled TU . Not sure what my score is at TU.

[1lifeisworthit]

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@OverCL wrote:

Got a preselected mailer for Synchrony Plus Mastercard. Starting limit $7000, not bad.  My experian FICO 8 was 666. They pulled TU . Not sure what my score is at TU.

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Hi. I'm not wanting to make MyFICO mad, so if this isn't allowed, I hope it gets deleted without me being banned... 

If you go to creditwise.com you can see your FICO 8 based on Transunion reports, for free. They used to show the Vantage 3 score, but they switched. So if you don't want to pay for a 3B thing here, you can still find out your FICO 8 based on Transunion.

Also, a Synchrony agent told me that Synchrony often uses Vantage 3 but not always. Since they have such a huge variety of debt product offerings, I imagine that would depend on what is being applied for?

I have 2 Synchrony cards, and I used to have another one, about 10 years ago? but it was closed due to inactivity. At that time I was so ignorant I didn't know that was a thing, haha. I'm more aware now! But it was so product specific I couldn't really use it past the initial purchase... I mean, how many DR Field and Brush Mowers does one little homestead need???, so...

[RobertS2]

This is why I never try to guess what bureau a lender will pull....