Which credit bureau does Synchrony use? This question is about Synchrony Credit Card Reviews

Which credit bureau does Synchrony use?

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This question is about Synchrony Credit Card Reviews

WalletHub, Financial Company

@WalletHub • 07/15/22 This answer was first published on 03/16/17 and it was last updated on 07/15/22.For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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Synchrony Bank uses all three major credit bureaus (TransUnion, Equifax and Experian) in order to assess your creditworthiness. Credit reports, however, don’t differ that much from bureau to bureau. So, there’s a huge overlap between the contents of each major credit report.

However, make sure all of your reports are in order. Remember that you are entitled to one free report from each of the three major credit bureaus every 12 months. This will provide an opportunity to check for any incorrect or outdated information on your credit report. Alternatively, you can also get your full report and score for free, right here on WalletHub.

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cgower1017, Member

@cgower1017 • 10/03/22 This answer was first published on 10/03/22. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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Talmeca Graham, Member

@talmecag • 02/08/17 This answer was first published on 02/08/17. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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TransUnion

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How can I check for Synchrony Bank pre-approval?

You can check for Synchrony Bank pre-approval online for certain credit cards. Plus, like all major credit card issuers, Synchrony Bank also mails pre-approved offers to certain people who appear to meet the criteria for one of its nearly 100 cards.

Generally, a pre-approval tool allows consumers to gauge the likelihood of getting approved for a credit account before they apply. Pre-approvals use soft inquiries of your credit, so it will not affect your credit...

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What's the Synchrony Bank credit card credit score requirement?

It depends on the credit card you are interested in. Most credit cards offered by Synchrony Bank are designed for people with fair (640 – 699), good (700 – 749) or excellent (750 – 850) credit. Please find a list of cards offered by Synchrony Bank here: https://wallethub.com/credit-cards/synchrony-13003490i.

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When does the JCPenney Card report to credit bureaus?

The JCPenney Credit Card reports to the credit bureaus monthly, within days after the end of a cardholder’s monthly billing period. JCPenney Credit Card reports the card’s credit limit, account balance, payment history, and more to all three of the major credit bureaus: TransUnion, Equifax, and Experian. Synchrony Bank may use a specific credit bureau more than another, depending on the applicant’s home state, and other factors.

Once JCPenney Credit Card reports your account information to a credit bureau, it...

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