How to Remove HSN Card/SYNCB From Your Credit Report

HSN Card/SYNCB on your credit report is the code that appears when Synchrony Bank runs a hard inquiry for a Home Shopping Network credit card application. HSN offers two card products, a store card and an HSN Mastercard, both issued by Synchrony Bank. If you’ve applied for either one, this is the entry that follows.

You might also see it listed as SYNCB/HSN depending on how your credit bureau displays it. Both versions refer to the same inquiry.

What Is HSN Card/SYNCB on Your Credit Report?

HSN Card/SYNCB combines the Home Shopping Network and Synchrony Bank, the issuing bank behind HSN’s credit products. Synchrony Bank is one of the largest issuers of retail store cards in the country, and they handle credit applications and approvals for HSN on the network’s behalf.

When you apply for an HSN card, Synchrony runs a hard inquiry to evaluate your application, and that pull gets recorded on your credit report under the HSN Card/SYNCB code regardless of whether you were approved.

Why HSN Card/SYNCB Appears on Your Credit Report

This entry almost always traces back to an HSN credit card application. A few specific situations that can generate it include:

• Online or phone application: HSN promotes their card during broadcasts and on their website, often with financing incentives on larger purchases. Many customers apply during checkout without fully anticipating the hard inquiry that follows.
• HSN Mastercard application: The HSN Mastercard is a separate product from the store card and can be used anywhere Mastercard is accepted. Applying for either card generates the same HSN Card/SYNCB entry.
• Unauthorized application: If someone used your personal information to apply for an HSN card without your knowledge, the hard inquiry still appears on your credit report.

How HSN Card/SYNCB Affects Your Credit Score

A single hard inquiry from Synchrony Bank causes a small dip in your credit score, usually five points or less. That’s not a serious concern on its own. The impact grows when multiple hard inquiries from different lenders appear within a short period, which can make lenders more cautious about approving future credit applications.

The effect on your credit score fades within a few months and becomes negligible well before the entry drops off your credit report entirely.

How Long HSN Card/SYNCB Stays on Your Credit Report

Hard inquiries remain on your credit report for two years from the date they were pulled. Equifax, Experian, and TransUnion all record and display the entry during that window. Once the two years are up, it drops off automatically.

If your HSN card application was approved and an account was opened, that account also appears on your credit report as a separate tradeline, affecting your credit score based on payment history, credit utilization, and account age.

What to Do If You Don’t Recognize the HSN Card/SYNCB Entry

An unfamiliar HSN Card/SYNCB entry on your credit report is worth investigating. Here’s how to handle it:

• Contact Synchrony Bank directly: Ask them to confirm what product was applied for, when the inquiry was pulled, and whether an account was opened as a result. They can verify whether the application was connected to your personal information.
• Dispute with the credit bureaus: If Synchrony Bank cannot verify that you authorized the inquiry, file a formal dispute with Equifax, Experian, and TransUnion. Include your personal details and a written explanation of why the entry should be removed from your credit report.
• Place a fraud alert or credit freeze: If you suspect someone applied for credit in your name, a fraud alert requires lenders to verify your identity before approving new applications. A credit freeze provides stronger protection by blocking new credit entirely until you lift it.

Synchrony Bank Contact Information

If you need to reach Synchrony Bank to ask about an HSN Card/SYNCB inquiry, here is their contact information:

Phone: (866) 419-4096

Mailing Address: Synchrony Bank, P.O. Box 965035, Orlando, FL 32896

Bottom Line

HSN Card/SYNCB on your credit report is a hard inquiry from Synchrony Bank, placed when someone applied for a Home Shopping Network credit card. If you made that application, the entry is legitimate and will age off your credit report after two years without any action needed.

If you don’t recognize it, move quickly. Contact Synchrony Bank, dispute the entry with the credit bureaus, and consider a fraud alert to protect your credit score while you sort it out. Retail card inquiries can feel minor, but an unauthorized one points to a problem worth addressing right away.