They lie about how they use your credit report.I think this is a violation of a few federal laws.Synchrony close one of my cards after I did nothing wrong.One representative said that they used only the information from my credit report, nothing else, no internal data.Another representative said that they used only the activity on my Synchrony account.So either they are using my credit data and lying about it, or they are deliberately obscuring the process so that I can't appeal.
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Synchrony is a consumer financial services company headquartered in Stamford, Connecticut, United States.