How to Remove SYNCB/BRDC From Your Credit Report

If SYNCB/BRDC is showing up on your credit report, it’s tied to a Banana Republic credit card that was previously issued by Synchrony Bank. SYNCB stands for Synchrony Bank, and BRDC stands for Banana Republic Credit.

The Banana Republic card moved from Synchrony to Barclays Bank Delaware in June 2022, so this entry reflects history with the old program rather than the current one.

If you’re seeing SYNCB/BRDC on your credit report today, it’s almost certainly appearing as an account tradeline rather than a hard inquiry. Hard inquiries only last two years, so any Synchrony inquiry from before June 2022 has already dropped off. An account with negative history, however, can stay on your credit report for up to seven years.

What Is SYNCB/BRDC on Your Credit Report?

SYNCB/BRDC stands for Synchrony Bank Banana Republic Credit. It identifies a Banana Republic credit card account or inquiry that was processed through Synchrony Bank before the card program transferred to Barclays.

If you held a Banana Republic card before that transfer, the account may still appear on your credit report under the Synchrony name depending on how the history was reported. Accounts closed with negative marks like late payments or charge-offs can remain visible for seven years from the date of the first missed payment.

Why SYNCB/BRDC Might Still Be on Your Credit Report

Since hard inquiries from this period have already expired, the most likely reason SYNCB/BRDC is still showing up is one of the following:

• Account with negative history: If you had a Banana Republic card through Synchrony and missed payments, went delinquent, or had the account charged off, that negative history can stay on your credit report for seven years.
• Closed account in good standing: Accounts closed in good standing can remain on your credit report for up to 10 years, which means a well-managed Synchrony Banana Republic account may still be visible and actually helping your credit score by contributing to your credit history length.
• Reporting error: In some cases, accounts from transferred card programs are reported inaccurately during or after the transition. If the information doesn’t look right, it’s worth disputing.

How SYNCB/BRDC Affects Your Credit Score

A closed account in good standing is generally neutral to positive for your credit score. It contributes to your credit history length and shows a record of responsible use. A closed account with negative history, including late payments or a charge-off, can significantly lower your credit score and will continue to affect it until the seven-year reporting window closes.

If the account information is inaccurate, such as a wrong balance, incorrect payment history, or a status that doesn’t reflect the actual account outcome, you have the right to dispute it.

What to Do About a SYNCB/BRDC Entry on Your Credit Report

Your next step depends on what type of entry you’re dealing with:

• If it’s accurate and positive: Leave it alone. The account history is working in your favor and will eventually drop off on its own.
• If it’s accurate and negative: Unfortunately, accurate negative information cannot be removed before the seven-year window ends. Focus on building positive history elsewhere in the meantime.
• If it’s inaccurate: File a formal dispute with Equifax, Experian, and TransUnion. Include documentation supporting the correct information and a written explanation of the error. The credit bureaus are required to investigate and respond within 30 days.
• If you don’t recognize it at all: Contact Synchrony Bank to ask about the account, and follow up with Barclays if the account transferred. If neither can verify the account belongs to you, dispute it with the credit bureaus immediately.

Contact Information

For questions about a SYNCB/BRDC account history with Synchrony Bank:

Synchrony Bank Phone: (866) 419-4096

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

For questions about the current Banana Republic Encore Mastercard issued by Barclays:

Barclays Phone: (888) 232-0780

Bottom Line

SYNCB/BRDC on your credit report today is almost certainly an account tradeline from when Banana Republic credit cards were issued by Synchrony Bank, before the program moved to Barclays. Hard inquiries from that era have already expired, but account history, positive or negative, can linger for years.

If the information is accurate, your options are limited to waiting out the reporting window while building positive credit history elsewhere. If something looks wrong or you don’t recognize the account at all, dispute it with the credit bureaus right away and contact both Synchrony and Barclays to get clarity on what’s being reported.