So long story short, I had some late payments on a Synchrony/CareCredit account from 2017 (about 9 in total, one was as bad as 120 days). I eventually paid off the account satisfactorily but it was dragging my credit a bit. In fact, this was my only derogatory mark ever.
Anyways, after reading this forum, I took a shot in the dark and emailed a few email addresses my story with the hope that they would remove these marks now that the account was paid off and this is how it went...
- Last Thursday (March 11) - I email a handful of Synchrony email addresses, including Margaret Keane (President & CEO)
- Last Friday (March 12) - I receive an email acknowledging that my inquiry was received by Margaraet Keane's office and they would get back to me by email or phone in 1-2 business day
- Yesterday (March 17) - I get a call from someone in Margaret Keane's office essentially saying that they were happy to remove all derogatory marks for a "humanitarian reason" and she would transmit these changes to the credit bureaus ASAP and informed me it could take up to 30 days to see it
- Today (March 18) - Just out of curiosity, not expecting much, I refreshed my three bureau credit reports and to my great surprise - both my Experian and Equifax reports were already updated giving me a bump of 60 points each! Now just waiting for TransUnion.
Super happy and frankly shocked at how quickly this happened. Feel free to message with me with any questions!
