Is Synergetic Communication Hurting Your Credit?

Updated

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If you’ve found Synergetic Communication on your credit report, it likely means they’re trying to collect a debt—and that collection account could be damaging your credit score. Here’s what you need to know about them and how to handle it.

Who Is Synergetic Communication?

Synergetic Communication, Inc., also known as SynCom, is a debt collection agency with offices in Houston, Texas; Hopkins, Minnesota; and Hayden, Idaho. They collect unpaid debts on behalf of businesses across several industries.

If they’ve appeared on your credit report, it means they believe you owe a balance they are now working to collect.

Who Does Synergetic Communication Collect For?

Synergetic Communication focuses on managing large balance portfolios, especially in these areas:

  • Auto finance
  • Mortgage debts

They also collect for businesses in:

  • Banking
  • Consumer finance
  • Commercial sectors
  • Credit card companies
  • Telecommunications
  • Utility services

If you have an unpaid debt in any of these industries, it could explain why SynCom is contacting you.

Is Synergetic Communication Legitimate?

Yes, Synergetic Communication is a legitimate debt collection company. But don’t assume a debt is valid without confirming the details. Mistakes happen, and you have the right to verify any account they claim you owe.

How Can You Remove Synergetic Communication From Your Credit Report?

Collection accounts can lower your credit score for up to seven years—but they may be removed sooner in some cases:

  • Dispute inaccurate information – If the debt isn’t yours or contains errors, dispute it with the credit bureaus.
  • Request debt validation – You can ask Synergetic Communication to provide proof the debt is valid and accurate.
  • Negotiate a pay-for-delete – Some collectors will agree to remove the account if you settle the balance. Always get the agreement in writing.
  • Work with a credit repair company – Professionals can challenge negative marks and help improve your credit report.

Taking action quickly helps limit the long-term impact on your credit.

Ready to Clean Up Your Credit Report?

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

Should You Contact or Pay Synergetic Communication?

Before contacting SynCom or making payments, verify the debt. Credit reports can show incorrect accounts or balances that are past the legal time limit for collection.

In some cases, making a payment restarts the collection clock, which can hurt your credit. If you’re unsure how to proceed, credit repair professionals can help you review your options.

Can Synergetic Communication Sue You or Garnish Your Wages?

Yes, Synergetic Communication has the legal right to sue for unpaid debts. If they win in court, they could pursue wage garnishment or a bank account levy, depending on your state’s laws.

Lawsuits are often a last resort. Debt collectors typically try to negotiate payment plans or settlements before going to court.

Synergetic Communication Contact Information

Here’s how to reach them:

Houston Office:
Synergetic Communication, Inc.
5450 Northwest Central, Suite 220
Houston, TX 77092

Minnesota Office:
Synergetic Communication, Inc.
750 2nd St. NE, Suite 104
Hopkins, MN 55343

Idaho Office:
Synergetic Communication, Inc.
8596 Wayne Dr., Suite A5
Hayden, ID 83835

Phone: (800) 580-8615

Complaints Against Synergetic Communication

Many collection agencies, including SynCom, receive complaints filed with the Consumer Financial Protection Bureau and the Better Business Bureau. Some of the most common complaints include:

  • Reporting inaccurate information to credit bureaus
  • Harassing phone calls or aggressive tactics
  • Failure to provide debt validation

If your rights are violated, you can file a complaint with the CFPB or your state’s attorney general.

Your Rights When Dealing With Synergetic Communication

The Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA) protect you from unfair collection practices. Your rights include:

  • Synergetic Communication cannot report false or incomplete information
  • You can request debt validation within 30 days of first contact
  • They cannot harass you, call repeatedly, or use profanity
  • They must clearly state they are a debt collection agency
  • They cannot threaten jail time over unpaid debts

Knowing your rights gives you the confidence to deal with collectors appropriately.

Ready to Remove Synergetic Communication From Your Credit Report?

If Synergetic Communication is damaging your credit, Credit Saint may be able to help. They’ve spent over 15 years helping people dispute negative items, including collections from companies like SynCom.

Feeling overwhelmed by collections? A trusted credit repair company can make a difference—and they even offer a 90-day money-back guarantee for added peace of mind.

Visit their website or call (855) 281-1510 to get started today.

Brooke Banks
Meet the author

Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.