What is R Us Credit Card SYNCB?
R Us Credit Card SYNCB (or Rus Credit Card SYNCB) stands for Toys R Us Credit Card/Synchrony Bank.
R Us Credit Card SYNCB may be on your credit report as a hard inquiry. This usually happens when you apply for a Toys R Us credit card issued by Synchrony Bank.
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.
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 occurs when a creditor checks your credit history without your permission. This could be a lender with whom you’ve talked to for a pre-approval quote but haven’t actually applied for a loan. 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 Toys R Us 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.
If you don’t recognize the inquiry, or you are sure you didn’t make the inquiry, contact Synchrony Bank and ask them why an inquiry was made. The creditor’s name should be listed under the hard inquiry section on your credit report.
Can R Us Credit Card SYNCB be removed from my credit report?
Lexington Law specializes in removing inquiries and other negative marks on your credit report. They have over 18 years of experience and have removed over 7 million negative items for their clients in 2020 alone.
They can also help you dispute (and possibly remove) the following items:
- late payments
- charge offs
Get Your Inquiries Removed Today!
If you’re struggling with bad credit, consider speaking with a credit repair specialist at Lexington Law.
You can give them a call at (800) 220-0084 for a free credit consultation. They have paralegals standing by waiting to take your call.
Here’s a list of some of the nation’s most common credit inquiries.
- CB INDIGO
- Citicards CBNA
- Comenity Bank/ATYLRLMC
- CoreLogic Credco
- CRDT First
- Credco Inquiry
- Credit Plus
- Elan Financial Services
- Equifax Mortgage Services
- Factual Data
- JPMCB Card Services
- MABT CONTFIN
- SYNCB AEVISA
- SYNCB/Amazon PLCC
- SYNCB/Ameg D
- SYNCB/TJX CO DC
- SYW MC/CBNA
- TD Bank Target
- TU Interactive
- Webbank Fingerhut
- WF Bank NA