If you’ve seen “HSN Card/SYNCB” or “SYNCB/HSN” on your credit report, you might be wondering what it is—and how to get it removed. Here’s what it means, how it can affect your credit score, and what to do if it wasn’t authorized.
What HSN Card/SYNCB Means on Your Credit Report
HSN Card/SYNCB shows up when you apply for a Home Shopping Network (HSN) credit card or HSN Mastercard. Both are issued by Synchrony Bank. These cards often advertise perks like 12-month VIP financing on purchases of $399 or more.
When you apply, Synchrony Bank checks your credit. That check shows up as a hard inquiry on your credit report, whether you’re approved or not.
How It Affects Your Credit Score
A hard inquiry can cause a small dip in your credit score—usually around five points or less. But if you’ve applied for several credit cards or loans in a short time, multiple inquiries can add up and make you look risky to lenders.
The good news? The impact of a hard inquiry fades pretty quickly, and it matters less the longer it’s been since the inquiry was made.
How Long It Stays on Your Credit Report
Hard inquiries like HSN Card/SYNCB remain on your credit report for up to two years. They’re visible to lenders and recorded by all three major credit bureaus: Equifax, Experian, and TransUnion.
While the listing may stick around, the effect on your credit score usually lasts only a few months.
What to Do If You Didn’t Authorize the Inquiry
If you don’t remember applying for an HSN card, don’t ignore it. Take these steps:
- Contact Synchrony Bank: Ask for details about the inquiry to confirm whether it was legitimate.
- Check for fraud: If someone applied in your name, you could be a victim of identity theft.
- Dispute it with the credit bureaus: If the inquiry wasn’t authorized, file a dispute with Equifax, Experian, and TransUnion to have it removed.
Can You Remove HSN Card/SYNCB From Your Credit Report?
If the inquiry was authorized, it usually can’t be removed early. But if it was placed in error or without your permission, you have options.
You can dispute it yourself—or you can work with a professional credit repair company like Credit Saint. They help people challenge inaccurate or questionable items on their credit reports, including:
- late payments
- collections
- charge-offs
- foreclosures
- repossessions
- bankruptcies
Want Help Fixing Your Credit?
Improving your credit doesn’t have to be overwhelming. Whether you’re dealing with inaccurate information or just want to clean up your credit history, Credit Saint can help.
They even offer a 90-day money-back guarantee, so you can move forward with confidence.
Take the first step toward better credit—visit their website today.
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