08 Synchrony Bank


Is 08 Synchrony Bank hurting your credit score?

Schedule a free consultation to learn how to eliminate inaccurate and questionable negative information from your credit report.

Who is 08 Synchrony Bank?

08 Synchrony Bank is a consumer financial services company headquartered in Stamford, Connecticut. Synchrony Bank provides over 120 private label credit cards and store-branded cards. You can find a full list of them here.

You may see 08 Synchrony Bank listed on your credit report as a collections account. This can happen if you have defaulted on a Synchrony credit card account.

How can I remove 08 Synchrony Bank from my credit report?

08 Synchrony Bank collections can hurt your credit score and remain on your credit report for up to seven years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.

However, it is possible to remove a collection account from your credit history before seven years.

(Though debt collectors may not want this widely known, it’s your right to be informed.)

Ready to Raise Your Credit Score?

Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.

Professional credit repair services assist people in getting their credit back on track.

They can help challenge inaccurate, unfair, or unsubstantiated information on your credit report, including collections, inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

Get started on the path to better credit today: Fill out the form for a free credit consultation.

08 Synchrony Bank Contact Information


Synchrony Bank
950 Forrer Blvd
Kettering, OH 45420

Phone number: (866) 419-4096

Should I contact or pay 08 Synchrony Bank?

Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.

The most effective way to deal with 08 Synchrony Bank is to work with a credit repair professional. They help remove millions of negative items every year from companies like Synchrony on behalf of their clients.

Will 08 Synchrony Bank sue me or garnish my wages?

Synchrony Bank, like other credit card issuers, may choose to sue a cardholder for non-payment as a last resort if all other debt collection efforts fail. If they win a lawsuit against you, they might have the legal right to garnish your wages or levy your bank accounts to recover the debt.

However, they typically use these measures sparingly due to the cost and time involved in legal proceedings. Any potential action will depend on your specific circumstances, the laws in your state, and the amount of your debt.

08 Synchrony Bank Complaints

Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, consider filing a complaint.

You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA).

Your Rights When Dealing with 08 Synchrony Bank

Debt collectors must follow state and federal laws. For example, the FDCPA prohibits a debt collection company from using abusive, unfair, or deceptive practices and ensures your rights are protected:

  • It is a violation of federal law for 08 Synchrony Bank to report inaccurate or incomplete information about you.
  • You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. They have 30 days to prove the debt is yours and the amount is accurate.
  • 08 Synchrony Bank cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
  • 08 Synchrony Bank must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
  • 08 Synchrony Bank cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove 08 Synchrony Bank From Your Credit Report Today!

Credit Saint can help you dispute 08 Synchrony Bank accounts. With over 15 years of experience, they have a proven track record of removing incorrect entries for many clients.

If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.

They have helped many people in your situation. Fill out the form on their website or call (855) 281-1510 for a free credit consultation to see what they can do for you.

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Meet the author

Crediful is your go-to destination for all things related to personal finance. We're dedicated to helping you achieve financial freedom and make informed financial decisions. Our team of financial experts and enthusiasts brings you articles and resources on topics like budgeting, credit, saving, investing, and more.