If Samsclubmc/SYNCB appears on your credit report, it means Synchrony Bank performed a credit check after a Sam’s Club credit card application. Here’s what that entry means, how it affects your credit score, and what to do if the inquiry wasn’t authorized.
What Samsclubmc/SYNCB Means on Your Credit Report
Samsclubmc/SYNCB is the code used when Synchrony Bank checks your credit in connection with a Sam’s Club credit card or Sam’s Club Mastercard application. Whether you apply in-store or online, Synchrony is the issuing bank, and the inquiry is recorded under this name.
Even if your application was denied or not completed, the credit check may still appear on your report.
Why Samsclubmc/SYNCB Appears on Your Credit Report
This code shows up because you applied for a new line of credit, and Synchrony Bank reviewed your credit report as part of their approval process. This is known as a hard inquiry.
Hard inquiries are a normal part of applying for credit cards, loans, and financing offers. They let other lenders know that you’ve recently applied for credit.
How a Samsclubmc/SYNCB Inquiry Affects Your Credit Score
A hard inquiry from Samsclubmc/SYNCB can lower your credit score slightly—typically by a few points. A single inquiry usually won’t make a big difference, but multiple inquiries in a short timeframe can have a greater impact.
Too many recent inquiries may cause lenders to view your profile as higher risk, especially if you’re applying for additional credit around the same time.
How Long Samsclubmc/SYNCB Stays on Your Credit Report
Hard inquiries stay on your credit report for up to two years. Equifax, Experian, and TransUnion all record these entries. The impact on your score fades after about one year, but the inquiry remains visible until it’s automatically removed after 24 months.
Checking your credit report regularly can help you track these entries and ensure accuracy.
What to Do if the Samsclubmc/SYNCB Inquiry Wasn’t Authorized
If you don’t remember applying for a Sam’s Club credit card, it’s important to act quickly. An unauthorized inquiry might be an error—or a sign of identity theft. Here’s how to respond:
- Contact Synchrony Bank to verify the inquiry
- Dispute the entry with the credit bureaus if it wasn’t authorized
- Monitor your credit reports to watch for other unusual activity
Can You Remove Samsclubmc/SYNCB From Your Credit Report?
If the inquiry was authorized, it will remain on your credit report for two years. But if it was added in error or without your permission, you can file a dispute and request its removal.
Credit repair companies like Credit Saint help consumers challenge unauthorized or inaccurate entries on their credit reports. In addition to removing hard inquiries, they also help with:
- Late payments
- Collections
- Charge-offs
- Foreclosures
- Repossessions
- Bankruptcies
Get Help Improving Your Credit
If you’re working to rebuild your credit and want professional support, a free consultation with Credit Saint could be a smart next step. Their team has helped thousands of people correct inaccurate credit items and improve their overall credit health.
They even offer a 90-day money-back guarantee, so you can move forward with confidence. To learn more, visit their website and explore how they can help you take control of your credit.
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