If SYNCB AEVISA shows up on your credit report, it means Synchrony Bank pulled your credit during a review for an American Eagle Visa credit card. Here’s what the code means, how it affects your score, and what to do if the inquiry wasn’t authorized.
What SYNCB AEVISA Means on Your Credit Report
SYNCB AEVISA is the code credit bureaus use to identify a credit inquiry from Synchrony Bank for the American Eagle Visa card. If you applied for this card—whether in-store, online, or during checkout—this entry is a record of the credit check tied to that application.
Why SYNCB AEVISA Appears on Your Credit Report
When you apply for an American Eagle Visa credit card, Synchrony Bank pulls your credit report to determine if you qualify. This process creates a hard inquiry, which is added to your credit file even if the application is denied or abandoned.
These inquiries are a routine part of any credit card application process.
How a SYNCB AEVISA Inquiry Affects Your Credit Score
A hard inquiry from SYNCB AEVISA can cause a small drop in your credit score—usually just a few points. While a single inquiry has minimal impact, several inquiries in a short period can raise red flags with lenders. It may look like you’re urgently seeking credit, which could make you appear riskier to potential lenders.
To protect your score, it’s best to limit how often you apply for new credit.
How Long SYNCB AEVISA Stays on Your Credit Report
A hard inquiry from SYNCB AEVISA remains on your credit report for up to two years. It may be recorded by one, two, or all three major credit bureaus—Equifax, Experian, and TransUnion.
Although the impact on your score decreases after 12 months, the entry stays visible to lenders for the full 24-month period.
What to Do if the SYNCB AEVISA Inquiry Wasn’t Authorized
If you didn’t apply for an American Eagle credit card, the inquiry may be an error or a sign of identity theft. Here’s how to handle it:
- Contact Synchrony Bank to verify the origin of the inquiry
- Dispute the entry with Equifax, Experian, and TransUnion if it wasn’t authorized
- Continue monitoring your credit reports for other suspicious activity
Can You Remove SYNCB AEVISA From Your Credit Report?
If the inquiry was added in error or without your permission, you can file a dispute with the credit bureaus and request removal. Many people handle this on their own, but others choose to work with a credit repair company for additional support.
Credit Saint is one option that helps consumers remove inaccurate or unauthorized credit report entries. They also assist with:
- Late payments
- Collections
- Charge-offs
- Foreclosures
- Repossessions
- Bankruptcies
Improve Your Credit With Expert Help
If you’re trying to rebuild your credit and remove inaccurate items from your credit report, professional support can make the process easier. Credit Saint offers free consultations and has helped many people improve their credit through personalized strategies.
They even offer a 90-day money-back guarantee, giving you peace of mind as you take steps toward better credit. To learn more, visit their website and explore how they can help you move forward.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
