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Pleasant surprise this morning from Synchrony

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Valued Member

Pleasant surprise this morning from Synchrony

Woke up this morning to an alert that one of my derogatory accounts had been removed. This took me as a surprise because nothing was close to 7 years DOFD. So I check my reports and two of my derogatory Synchrony bank accounts have been removed from all three reports. One was my care credit and the other was old Amazon card. There’s still one more from them left but I’m hoping that is removed too. Anyone else seeing this happen? The accounts were at the 4 year mark from DOFD. Got a nice little score boost.
Message 1 of 29
28 REPLIES 28
Senior Contributor

Re: Pleasant surprise this morning from Synchrony

Grats. Were you GWing them, or did they randomly self delete?
Currently rebuilding as of 04/11/2019.

Starting Scores:
EX 518
EQ 518
TU 521

Current FICO scores:
EX 576
EQ 567
TU 575
Message 2 of 29
Established Member

Re: Pleasant surprise this morning from Synchrony

I had the same thing happen to me it just deleted. I sent GW letters and emails, but constantly told nothing they could do. I still have an Amazon that I paid, I sent a GW letter for that one as well. I have my fingers crossed they will remove that one as well. If Synchrony does that I will CO free. 


Starting Score: 572
Current Score: 675
Goal Score: 700


Take the myFICO Fitness Challenge
Aug 2019
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October 2019
November2019

Message 3 of 29
Valued Member

Re: Pleasant surprise this morning from Synchrony

Thanks, they just randomly self deleted. I had never GW or disputed them at all. They were both charge offs from 2015. Third one is also a charge off from 2015 but was one month later so I’ll be curious to see if it deletes next month on its own.
Message 4 of 29
Senior Contributor

Re: Pleasant surprise this morning from Synchrony

Well, whatever happened - Congrats on the removals! Smiley Happy


EQ: 798 | EX: 774 | TU: 771 | Accounts: 1/6 4/12 8/24
Message 5 of 29
Established Contributor

Re: Pleasant surprise this morning from Synchrony

I think Synchrony is in a giving mood because they deleted my husband's charge off and I don't think that thing was anywhere near 7 years either. He's never pulled his reports from the annualcreditreport site, so I should make him do that so we can see the DoFD. Last time I checked, it was removed from his EQ and EX, but I'm not sure about TU. Perfect timing, too, because his car finally pooped out yesterday and he's been looking to get a new car. It's definitly a sign!! He even got an email from our CU saying he was pre-approved for a $50,000 car loan. If this isn't the best time to buy a car, I don't know when is. It's like the universe is screaming at him! 

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 6 of 29
Valued Contributor

Re: Pleasant surprise this morning from Synchrony

Congratulations on your success!
Message 7 of 29
Super Contributor

Re: Pleasant surprise this morning from Synchrony

Who cares. They're toast! Congrats! Smiley Happy





My posts are JMHO. My siggy is not to brag at all. Just sharing my experiences after learning here from rebuild to recovery after BK DC at 540's. And to show fellow members what can be accomplished when you do it right and play the FICO Credit Game. Pay it Forward!
Message 8 of 29
Community Leader
Senior Contributor

Re: Pleasant surprise this morning from Synchrony

I saw these posts and checked EX and my old Synch CO is gone too. It was up for EE on 1/1 but I’ll take it early. Hoping also that the purge extends to the other bureaus - I used EE on TU already but it wouldn’t fall from EQ until April. Gotta wait til Sunday to see a CK update and see if it’s gone from there though.


Rose Gold NPSL | BCP | Delta Gold | Hilton Surpass | Hilton Honors | IT Cash | IT Chrome | Quicksilver | Target | VS | Home Depot | Lowes | Firestone | Wayfair | Overstock | Kohl’s

5/24, 1/24, 76445/24, who cares #HappyWithAmex





Entering the garden 5/27/2019, staying until 2020
(Lol so much for that grand plan...)
Message 9 of 29
Super Contributor

Re: Pleasant surprise this morning from Synchrony


@ImTheDevil wrote:
I saw these posts and checked EX and my old Synch CO is gone too. It was up for EE on 1/1 but I’ll take it early. Hoping also that the purge extends to the other bureaus - I used EE on TU already but it wouldn’t fall from EQ until April. Gotta wait til Sunday to see a CK update and see if it’s gone from there though.

Happy Thanksgiving Homey! Congrats!!!!!!!!!!!!!!!!! Smiley Very Happy





My posts are JMHO. My siggy is not to brag at all. Just sharing my experiences after learning here from rebuild to recovery after BK DC at 540's. And to show fellow members what can be accomplished when you do it right and play the FICO Credit Game. Pay it Forward!
Message 10 of 29
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