Seeing SYNCB/CARECR on your credit report likely means Synchrony Bank reviewed your credit for a CareCredit application. Whether you applied for healthcare financing or the inquiry came as a surprise, here’s what you need to know and how to remove it if it wasn’t authorized.
What SYNCB/CARECR Means on Your Credit Report
SYNCB/CARECR is the reporting code used when Synchrony Bank checks your credit after an application for a CareCredit credit card. CareCredit is a specialized credit product designed to help cover medical expenses not fully paid by insurance, including dental care, vision services, cosmetic procedures, and veterinary care.
This code appears any time Synchrony runs a credit check as part of the approval process.
Why SYNCB/CARECR Appears on Your Credit Report
When you apply for a CareCredit card, Synchrony Bank pulls your credit file to assess your eligibility. This creates a hard inquiry, which shows lenders that you’ve recently applied for credit.
Even if the application is denied or withdrawn, the inquiry will still appear and stay on your report for up to two years.
How a SYNCB/CARECR Inquiry Affects Your Credit Score
A hard inquiry from SYNCB/CARECR can cause your credit score to drop by a few points. While one or two inquiries won’t do much damage, multiple inquiries in a short period can add up and lower your score further. Lenders may see this as a sign that you’re actively seeking credit, which can make you appear riskier.
To minimize the impact, avoid applying for multiple credit accounts within a short timeframe—especially if you’re planning a large financial move.
How Long SYNCB/CARECR Stays on Your Credit Report
A hard inquiry from SYNCB/CARECR remains on your credit report for up to two years. Equifax, Experian, and TransUnion all track this activity. The impact on your score generally fades after 12 months, but the entry remains visible to lenders for the full 24-month period.
Monitoring your credit regularly helps ensure that all inquiries are accurate and expected.
What to Do if the SYNCB/CARECR Inquiry Wasn’t Authorized
If you didn’t apply for CareCredit, you should take action right away. An unauthorized inquiry could be a reporting error—or a sign of identity theft. Here’s how to handle it:
- Contact Synchrony Bank to confirm the details of the inquiry
- Dispute the entry with the credit bureaus if it was not authorized
- Consider placing a fraud alert or credit freeze if identity theft is suspected
Can You Remove SYNCB/CARECR From Your Credit Report?
You can’t remove a legitimate inquiry, but if the entry is incorrect or unauthorized, you can file a dispute to request removal. You have the option to do this yourself or work with a credit repair company.
Credit Saint helps people challenge inaccurate or unauthorized entries on their credit reports. In addition to hard inquiries, they also address:
- Late payments
- Collections
- Charge-offs
- Foreclosures
- Repossessions
- Bankruptcies
Get Help With Credit Repair
If your credit report contains errors or unauthorized inquiries, taking action now can help protect your financial future. Credit Saint offers free consultations to evaluate your situation and help you decide on the next step.
They even offer a 90-day money-back guarantee, giving you peace of mind while working to improve your credit. Visit their website to see how they can help you move forward with confidence.
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