SYNCB/BRDC may appear on your credit report after applying for a Banana Republic credit card. This entry comes from Synchrony Bank, which manages Banana Republic’s credit card accounts. If the inquiry was authorized, it’s part of the normal credit application process. If not, it may be something worth disputing.
What SYNCB/BRDC Means on Your Credit Report
SYNCB/BRDC stands for Synchrony Bank/Banana Republic Credit. When you apply for a Banana Republic credit card, Synchrony Bank performs a hard credit check. That inquiry gets labeled as SYNCB/BRDC on your credit report.
Even if you didn’t open the card or your application was denied, the inquiry still shows up.
Why SYNCB/BRDC Appears as a Hard Inquiry
When you submit a credit card application, the lender pulls your credit report to evaluate your creditworthiness. This triggers a hard inquiry.
SYNCB/BRDC appears on your credit report to reflect that action. It doesn’t necessarily mean you were approved for the card—it simply confirms that a credit check occurred.
How SYNCB/BRDC Affects Your Credit Score
Hard inquiries like SYNCB/BRDC can cause a minor dip in your credit score, usually just a few points. While a single inquiry isn’t a major issue, multiple inquiries in a short time can raise red flags for lenders.
To protect your score, try to limit how often you apply for new credit—especially before applying for a larger loan like a mortgage or auto loan.
How Long SYNCB/BRDC Stays on Your Credit Report
A SYNCB/BRDC inquiry can stay on your credit report for up to two years. The impact on your score usually fades after 12 months, but the inquiry itself remains visible to lenders for the full duration.
Keeping track of how long inquiries stay on your report can help you better manage your credit when planning future applications.
What to Do If You Didn’t Authorize the SYNCB/BRDC Inquiry
If you don’t recognize the SYNCB/BRDC inquiry, take action quickly. It could be the result of a reporting error—or someone using your identity to apply for credit.
Here’s how to handle it:
- Contact Synchrony Bank: Ask them to confirm the details of the inquiry and whether your personal information was used.
- Dispute the inquiry: If it was unauthorized or inaccurate, file a dispute with Equifax, Experian, and TransUnion.
- Add fraud protection: Consider placing a fraud alert or credit freeze on your file if you suspect identity theft.
Can SYNCB/BRDC Be Removed From Your Credit Report?
Yes, if the inquiry was made without your consent or was added in error. Under the Fair Credit Reporting Act (FCRA), you have the right to dispute inaccurate or unauthorized information.
You can submit a dispute directly to the credit bureaus, but if you’d rather not handle it on your own, working with a credit repair company is another option.
Credit Saint is a trusted name in credit repair and has helped many people remove hard inquiries, late payments, collections, and more from their credit reports.
Rebuild Your Credit With Confidence
Negative entries like SYNCB/BRDC don’t have to stay on your credit report. If you’re ready to clean up your file and boost your score, Credit Saint may be able to help.
Their 90-day money-back guarantee shows how confident they are in delivering results.
Visit their website today to learn more and take the first step toward a stronger credit profile.
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