How to Remove BP Visa/SYNCB From Your Credit Report

Is BP Visa/SYNCB hurting your credit score?

Lexington Law Firm has successfully assisted millions of clients in removing inaccurate and questionable credit inquiries from their credit reports.

What is BP Visa/SYNCB?

BP Visa/SYNCB stands for BP Visa/Synchrony Bank

BP Visa/SYNCB may be on your credit report as a hard inquiry. This usually happens when you apply for the BP Visa Credit Card issued by Synchrony Bank.

The BP Visa Credit Card has no annual fee and gets you 25 cents off per gallon every time you use your card to pay for gas at participating BP and Amoco stations.

What is a hard inquiry?

A hard inquiry occurs any time you apply for new credit and the lender or creditor runs a credit check. It can be for a mortgage, apartment, car loan, credit card, insurance policy, cell phone, and sometimes even a job application.

So, when you applied for the BP credit card account, BP Visa/SYNCB was added as a hard inquiry.

Hard inquiries will typically only drop your credit score by a few points. However, if you have too many, especially in a short period of time, they can really start to add up and do some damage.

What is a soft inquiry?

A soft inquiry typically occurs when a company checks your credit history as part of a background check. It can also happen when a credit card issuer or lender checks your credit to prequalify you for an offer. Sometimes a soft inquiry might even be pulled by an existing creditor just checking on your current credit situation.

Soft inquiries do not have an impact on your credit scores.

How long do hard inquiries stay on your credit report?

Whether you get approved for the BP Visa Credit Card makes no difference. The hard inquiry will remain on your credit report for up to 2 years. Each time you make an inquiry, it is recorded by one or all of the three major credit reporting agencies: Equifax, Experian, and TransUnion.

Unauthorized Inquiries

If you don’t recognize the inquiry, or you are sure you didn’t make the inquiry, contact Synchrony Bank and ask them why the inquiry was made. The creditor’s name should be listed under the hard inquiry section of your credit report.

Can BP Visa/SYNCB be removed from my credit report?

Lexington Law specializes in removing inquiries and other negative marks on your report. They have over 18 years of experience and their clients saw over 6 million removals on their clients in 2021 alone.

They can also help you dispute (and possibly remove) the following items:

  • late payments
  • collections
  • charge offs
  • foreclosures
  • repossessions
  • bankruptcies

Get Your Inquiries Removed Today!

If you’re struggling with bad credit and want to learn more, consider a free credit consultation with Lexington Law.

They have helped many people in your situation. Give them a call at (800) 220-0084 to see what they can do for you.