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SYNCB: What Is It And How To Remove From My Credit Report?

Written by Mike Pearson
Updated August 10, 2022

In A Nutshell

SYNCB stands for Synchrony Bank. Synchrony Bank is a subsidiary of its parent company, Synchrony Financial. This is one of the main leading financial service companies that provide services including credit services for businesses and consumers across the United States. 

Synchrony provides branded credit cards and Dual Cards. Both of these can be used for general purposes via the MasterCard and Visa networks. These cards are also able to be used on the American Express and Discover networks. Thus, if you see SYNCB appear on a credit report, you will usually have a line of credit via Synchrony Bank or one of their many affiliated companies. 

Other Affiliates of Synchrony Bank 

Synchrony Bank is one of the largest providers of credit cards in the United States. Therefore, if you see SYNCB appear on a credit report, you most likely have a credit account with one of the many businesses that are associated with this bank. Before sending a dispute letter to Synchrony Bank and the main credit bureaus, you should ensure that you have assessed your creditors to see whether they are affiliated with Synchrony Bank. 

Is It A Scam?

No, seeing SYNCB on your credit report does not indicate that you are a victim of a scam. This is because Synchrony Bank is a legally approved organization. If they happen to appear on a credit report, it usually indicates that you have an open account with them, or they have run a credit check on you. If you are uncertain whether this activity is accurate or inaccurate, it’s possible that you may have been a victim of identity fraud. If you are sure that you are a victim of identity theft, then you need to contact the relevant credit bureaus with immediacy.  

Why Is SYNCB Appearing On My Credit Report?

SYNCB can appear on a credit report for numerous reasons. Some of these reasons are more troubling than others. It is possible for this to show on your credit report, even if you do not have a credit account with Synchrony Bank specifically. The following is a list of reasons why SYNCB may appear on a credit report:

1) Synchrony Bank Checked Your Credit

You will see this appear on a credit report if Synchrony Bank has conducted a credit check in order to determine whether you are eligible for a credit account. This specific type of mark can occur regardless of whether you have received a soft inquiry or a hard inquiry into your credit.

Soft inquiries will show up on a credit report whenever someone has checked your credit without you actually making a specific request for new credit. For instance, if you have received an offer letter for a credit card that is issued by this bank, then they may have run a soft inquiry on your credit during the assessment process. 

In contrast, hard inquiries will appear on your credit report whenever you have applied for a new credit account. These accounts include credit accounts such as store cards, credit cards, or a personal loan. These hard inquiries usually fall off from your report after a number of years. 

You should also bear in mind that hard inquiries are not able to be removed from your account unless they have been issued without your authorization, or you have been a victim of identity theft. 

2) You Own A Synchrony Bank Related Credit Card

SYNCB is stated on a credit report when you have or have previously owned a credit account that is affiliated with Synchrony Bank. Regardless of whether you have closed the account or not, SYNCB may remain on your report for a period of 7-10 years. 

Your account may also have been closed without your awareness, this usually occurs whenever a credit account has become inactive. It is a commonly issued process for lenders to close credit accounts whenever they have become inactive for a long period of time. 

3) You Are An Authorized User On A Synchrony Bank Affiliated Credit Account 

SYNCB can also appear on a credit report if you have been authorized on another individual’s credit account. You could have been named on this account by a loved one who has assigned you as an authorized user on the account. They cannot do this without your approval, and thus, you should ensure that you have been made aware prior to this occurring. 

Being listed as an authorized user means that you may reap the negative effects of another person’s poor credit. Therefore, you should ensure that you are only engaging in credit contractual arrangements with loved ones who you trust. 

However, if the primary account holder is wholly reliable, then being an authorized user may actually significantly benefit your credit score by ensuring that you build a good history of credit payments. Similarly, you should bear in mind that any irresponsible activity you conduct will also have a negative impact on the credit score of your loved one. 

4) You May Be A Victim of Identity Fraud

If you are not designated as an authorized user on another person’s credit account, then this could be a sign that you have been a victim of identity theft. If you have reason to believe that the SYNCB mark on a credit report is due to fraudulent activity and accounts being opened in your name, then you should take the following steps with immediacy:

i) Contact the company that made the hard inquiry directly and inform them that this inquiry was not authorized by yourself. You should ask them for all of the specific details and information regarding the inquiry, and ascertain the date that this occurred. 

ii) Next, you need to report the identity theft to the FTC (Federal Trade Commission). You can report identity fraud by visiting and answering questions that will inherently generate a recovery plan to assist you in this process.

iii) Finally, you will need to contact one of the three main credit bureaus (Experian, TransUnion, and Equifax) and place an immediate fraud alert on your credit report. You will only need to contact one of these companies in order to do this, as they will inform the other credit bureaus on your behalf. 

You may also be required to freeze your credit and place a credit lock onto your credit account. You should continue to monitor your credit reports to ascertain whether there are any other fraudulent activities committed on your account. 

How Does SYNCB Impact On My Credit Score?

There are numerous ways that SYNCB can positively and negatively impact your credit score. This depends on whether a hard inquiry has been triggered into your credit accounts or not. As previously mentioned, a single significant hard inquiry will not have too much overall impact on your credit score. However, if you have conducted numerous hard inquiries into your accounts, then this will usually lower it by up to ten points. Hard inquiries will normally drop off from your credit report after 2 years.  

Accumulating a large number of hard inquiries can damage your score significantly. Thus, a single hard inquiry is not usually troublesome. The average credit score will range from 300-850, which means that the subtraction of 10 points is not usually as impactful. However, the impact is always accumulative. 

What Are Open and Closed Accounts? 

If you have previously closed or opened a credit account with Synchrony bank, then this will contribute to your overall credit score by the following factors: credit history, payment history, and credit mix. If the account remains open, then it will also have a significant impact on your credit utilization rate. This rate is alternatively known as your debt-to-credit ratio.

In order to learn how a SYNCB mark impacts your credit score, you should engage in thorough and extensive research into the main contributing factors that impact your FICO score and VantageScore. 

How Do I Remove SYNCB From My Credit Report?

If you want to delete SYNCB from your credit report, then you should try to implement one of the following methods of removal:

1) Sending A Letter of Dispute 

If you see that an item has been listed as SYNCB on your credit file, and you suspect that this has been placed there falsely, then you should write a dispute letter and send it to the relevant organization that you believe is responsible for this error. You can send your dispute letter directly to Synchrony Bank if you believe that they are culpable for the mistake. You can also send it to the main credit bureaus if you believe that they are responsible for the error and have mistaken your social security number with someone else’s.

It is highly advisable that you send any letters of dispute to the credit bureau of your choice and to Synchrony Bank. This is because they may liaise with one another and share information. Thus, it is important that both parties have received all of the updated and relevant credit information from you. Once you have sent a dispute letter, the bank and/or the credit bureau will be obligated to investigate your report. This will usually occur within 30-45 days of them receiving your dispute letter.

2) Use A Credit Repair Company

Credit repair companies act as the communicator between your card issuer and yourself. They may remove hard inquiries from your credit report by helping you to gather all of the information that is required in order to do so.

You should also be incredibly wary of scam companies that ask you for upfront payment for their services. There are specific limitations on the cost of credit repair, and therefore, all credit repair companies aren’t allowed to request payment from you before helping you. If they do ask you for an up-front payment, then you should run a mile! 

Despite the fact that credit repair companies can be useful in saving your effort and time whenever you are disputing items on your credit report. You should also try to consider the fact that they can only implement the processes that you can already implement for yourself. They will not be able to remove any negative information from your report entirely unless they can prove that the information that has been issued is inaccurate. Thus, you should carefully consider your options prior to hiring any third-party company to remove SYNCB from your report. 


To conclude, a SYNCB item on your credit report typically occurs because you have taken out a store card or line of credit with Synchrony Bank. There are numerous companies that are associated with this bank also, and therefore, you should carefully analyze your current credit obligations prior to attempting to remove this from your credit report. 

If you are convinced that you have been a victim of identity theft and have no open or closed lines of credit with Synchrony Bank, or any associated organization, then you can choose to remove this from your report by sending a dispute letter to the main credit bureaus and to Synchrony Bank. They will investigate your situation within 45 days and correct any inaccurate information that has been issued on your credit report. 

It is highly advised that you engage in extensive research prior to working with a third-party organization when you are attempting to rectify inaccurate information on your report, as some of these companies are scams and ask for payment upfront. However, if you want someone else to handle the negotiations and ease the hassle of doing so, then this may be the best option for you. 

Overall, a SYNCB item will appear on a credit record whenever a hard inquiry has been conducted into your credit history or you have been issued with a line of credit from Synchrony Bank and/or its affiliates.

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Mike Pearson

Mike is a recognized credit expert and founder of Credit Takeoff. His credit advice has been featured in Investopedia,, Bankrate, Huffpost, The Simple Dollar, Reader's Digest, LendingTree, and Quickbooks. Read more.