How to Remove SYNCB AEVISA From Your Credit Report

SYNCB AEVISA on your credit report is the code that appears when Synchrony Bank runs a hard inquiry for an American Eagle credit card application.

Synchrony has been the issuing bank behind American Eagle’s credit program for nearly three decades, and the partnership recently extended for several more years. If you’ve applied for an American Eagle store card or Visa at a register or online, this is the entry that follows.

What Is SYNCB AEVISA on Your Credit Report?

SYNCB AEVISA stands for Synchrony Bank and American Eagle Visa. It’s the credit bureau code that identifies a hard inquiry placed by Synchrony Bank when someone applies for an American Eagle credit product.

American Eagle currently offers two cards through Synchrony: the Real Rewards credit card, which can be used at American Eagle and Aerie locations in-store and online, and the Real Rewards Visa, which can be used anywhere Visa is accepted. Applications for either card generate a Synchrony hard inquiry that may appear on your credit report as SYNCB AEVISA.

Why SYNCB AEVISA Appears on Your Credit Report

This entry almost always traces back to an American Eagle credit card application. Here’s how it typically comes up:

• In-store application: American Eagle and Aerie locations frequently promote their credit card at checkout, often with a discount incentive that encourages shoppers to apply in the moment.
• Online application: Applying through the American Eagle or Aerie website triggers the same Synchrony hard inquiry as an in-store application.
• Unauthorized application: If someone used your personal information to apply for an American Eagle card without your knowledge, the hard inquiry still appears on your credit report.

How SYNCB AEVISA Affects Your Credit Score

A single hard inquiry from Synchrony Bank causes a small dip in your credit score, typically just a few points. That’s not a meaningful concern on its own. The impact compounds when multiple hard inquiries appear within a short period, which can signal to lenders that you’re actively seeking new credit and affect future approval decisions.

The effect on your credit score fades significantly after the first 12 months, even though the entry itself remains visible on your credit report for two full years.

How Long SYNCB AEVISA 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 display the entry during that window. Once the two years are up, it drops off automatically with no action required.

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

What to Do If You Don’t Recognize the SYNCB AEVISA Entry

An unfamiliar SYNCB AEVISA entry on your credit report is worth addressing right away. 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: 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 a SYNCB AEVISA inquiry, here is their contact information:

Phone: (866) 419-4096

Mailing Address: Synchrony Bank, 170 Election Road, Suite 125, Draper, UT 84020

Bottom Line

SYNCB AEVISA on your credit report is a hard inquiry from Synchrony Bank, placed when someone applied for an American Eagle or Aerie 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, act quickly. Contact Synchrony Bank, dispute the entry with the credit bureaus, and consider placing a fraud alert to protect your credit score while you investigate. A retail clothing card inquiry might feel low stakes, but an unauthorized one is always worth addressing before it points to something larger.