How to Remove 08 Synchrony Bank From Your Credit Report

Seeing 08 Synchrony Bank on your credit report can be confusing—especially if you don’t recognize the name. But don’t worry. Here’s what it means, what to do about it, and how to get it removed if it’s hurting your credit.

What Is 08 Synchrony Bank?

08 Synchrony Bank is a reference to Synchrony Bank, a major issuer of private label and store-branded credit cards. They partner with popular retailers like Amazon, Lowe’s, and Sam’s Club. You can find the full list of Synchrony credit cards here.

If you missed payments or defaulted on one of these cards, Synchrony may report the account as 08 Synchrony Bank and send it to collections. That’s how it can end up on your credit report.

How to Remove 08 Synchrony Bank From Your Credit Report

Collection accounts can stay on your credit report for up to seven years, but that doesn’t mean you’re stuck with them.

Here are a few ways to try and get it removed:

• Dispute any errors – If the balance, account status, or dates are wrong, file a dispute with the credit bureaus (Experian, Equifax, and TransUnion).
• Send a pay-for-delete letter – Offer to settle the debt in exchange for removing the account from your credit report. Not all creditors will agree, but it’s worth a try.
• Hire a credit repair service – A reputable company can challenge the listing for you and potentially get it removed faster.

Should You Pay 08 Synchrony Bank?

Before sending any money, make sure the debt is valid. Credit reports aren’t perfect. You might be dealing with:

• A duplicate account
• An incorrect balance
• An old debt past the statute of limitations
• A debt that isn’t even yours

Also keep in mind—paying a collection account doesn’t always improve your credit. In fact, it can restart the clock on how long it stays on your report.

This is why many people choose to work with credit repair professionals who understand how to deal with companies like Synchrony Bank effectively.

Will 08 Synchrony Bank Sue or Garnish Wages?

It’s rare, but not impossible.

If the balance is large and the debt remains unpaid, Synchrony Bank could take legal action. If they sue and win, they could:

• Garnish your wages
• Freeze your bank account
• Add court costs and interest to the total balance

Whether or not this happens depends on your state’s laws and how much you owe. That’s another reason to resolve the issue sooner rather than later.

Contact Information for 08 Synchrony Bank

Here’s where to reach them:

Address:
Synchrony Bank
950 Forrer Blvd
Kettering, OH 45420

Phone: (866) 419-4096

Common Complaints About 08 Synchrony Bank

Consumers often report issues like:

• Inaccurate reporting
• Refusal to verify debts
• Harassing phone calls

If you’re experiencing any of this, you can file a complaint with the Consumer Financial Protection Bureau (CFPB) or the Better Business Bureau (BBB). You also have legal rights under two key laws:

• The Fair Credit Reporting Act (FCRA)
• The Fair Debt Collection Practices Act (FDCPA)

Know Your Rights Under Federal Law

When dealing with 08 Synchrony Bank or any debt collector, you’re legally protected. Here’s what the law says:

• They can’t report false information to the credit bureaus.
• You can request debt validation within 30 days of first contact.
• They can’t threaten, harass, or call excessively.
• They must clearly state they’re a debt collector trying to collect a debt.
• They can’t threaten arrest or jail for unpaid debts.

Get Help Removing 08 Synchrony Bank

If dealing with collections is stressing you out, let the pros handle it.

Credit Saint has helped clients remove millions of negative items from their credit reports, including accounts from Synchrony Bank. With over 15 years of experience, they know how to challenge inaccurate information and get results.

They even offer a 90-day money-back guarantee for added peace of mind.

Visit their website or call (855) 281-1510 to see if they can help clean up your credit.