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Synchrony Self Deleted UPDATE: All Sync Negs Deleted

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Regular Contributor

Synchrony Self Deleted UPDATE: All Sync Negs Deleted

Had a couple year old CO from Sync-Amazon that had been subsequently paid to Portfolio Recovery about 2 years ago. Had previously tried GW with them on one occasion and was turned down. Yesterday got the alert that they had deleted the TL from all three bureaus. No dispute, no additional GW attempts on my part, just gone. Smiley Happy

 

UPDATE: They have now deleted the WalMart Derog that was not due to fall off for another couple years from all three reports as well. 







Message 1 of 25
24 REPLIES 24
Regular Contributor

Re: SYNC/AMAZON Self Deleted

It appears they are purging old COs. I had an amazon and furniture account that charged off with synchrony one 2016. Both gone as of a couple days ago. I hope it continues because my old Walmart CO is still there.
March 2018 - EX: 419 EQ: 456 TU: 423
February 2019 - EX: 537 EQ: 547 TU: 509
March 2019 - EX: 625 EQ: 555 TU: 579
April 2019 - EX: 640 EQ: 637 TU: 642
Message 2 of 25
Super Contributor

Re: SYNC/AMAZON Self Deleted

Well congrats! To both of you. Nice holiday present.





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 3 of 25
Regular Contributor

Re: SYNC/AMAZON Self Deleted


@cali_alli wrote:
It appears they are purging old COs. I had an amazon and furniture account that charged off with synchrony one 2016. Both gone as of a couple days ago. I hope it continues because my old Walmart CO is still there.

 

Same, fingers crossed it's next. 







Message 4 of 25
Regular Contributor

Re: SYNC/AMAZON Self Deleted

This is a trend I have been seeing over the past year or two. When an original creditor sells the account to a debt buyer, they have often been deleting the original trade line. I've seen Citi, Elan Financial Services, and US Bank doing this, so I guess Synchrony is jumping on the band wagon. In my estimation, this makes sense because they have sold the debt. The remaining trade line is a legal liability if it is not reported with complete accuracy. 

Discover It $2k // Target Red Card - $700 // Synchrony Home - $2,500 // Merrick $700 // Legacy Visa $750 // Ollo Rewards $500
TU FICO: 663 (2 derogs remaining) EX FICO: 635 (6 derogs remaining) EQ FICO: 607 (6 derogs remaining)
Message 5 of 25
Regular Contributor

Re: SYNC/AMAZON Self Deleted

This just happened to me the other day as well.  Got an alert than an old account was deleted and when I went on, it was Sync/Amazon as well.  Interesting.  If they are purging the debt though and removing it from a credit report, do they also remove it from their own system?  

Starting Scores (9/19): EQ - 474/TU - 528/EX - 502
Current Scores (12/19): EQ - 512- TU - 559/EX - 559
US Bank (secured) - $300, Total Visa - $300.00, Credit One - $400.00
Message 6 of 25
Established Member

Re: SYNC/AMAZON Self Deleted

Saw this thread and as most of my COs are from SYNC I went and checked.

 

 The ones that I paid off via Portfolio are gone.   I was wondering how I was going to go about GW letters and lo and behold, poof!

 

 Lets pray the rest disappear once I pay them off. 

Message 7 of 25
Regular Contributor

Re: SYNC/AMAZON Self Deleted


@RehabbingANDBlabbing wrote:

This is a trend I have been seeing over the past year or two. When an original creditor sells the account to a debt buyer, they have often been deleting the original trade line. I've seen Citi, Elan Financial Services, and US Bank doing this, so I guess Synchrony is jumping on the band wagon. In my estimation, this makes sense because they have sold the debt. The remaining trade line is a legal liability if it is not reported with complete accuracy. 


Perhaps, but they had insisted on my accounts remaining win attempting to GW even up to two years after the accounts were sold and paid/settled to debt buyers. Now, whoosh, gone Smiley Happy 







Message 8 of 25
Regular Contributor

Re: SYNC/AMAZON Self Deleted


@cali_alli wrote:
It appears they are purging old COs. I had an amazon and furniture account that charged off with synchrony one 2016. Both gone as of a couple days ago. I hope it continues because my old Walmart CO is still there.

Check again, as of this AM my last remaining CO, Wal-Mart/Sync is gone from all three reports. 







Message 9 of 25
Regular Contributor

Re: SYNC/AMAZON Self Deleted

Ah! It’s gone!!!! From experian anyways. I’ll have to wait a few more days to get an updated report from EQ and TU.
March 2018 - EX: 419 EQ: 456 TU: 423
February 2019 - EX: 537 EQ: 547 TU: 509
March 2019 - EX: 625 EQ: 555 TU: 579
April 2019 - EX: 640 EQ: 637 TU: 642
Message 10 of 25
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