Seeing SYNCB/CCDSTR on your credit report and not sure why it’s there? Here’s what it means, how it affects your credit, and what you can do about it.
What SYNCB/CCDSTR Means on Your Credit Report
SYNCB/CCDSTR shows up on your credit report when you apply for a CareCredit card backed by Synchrony Bank. It’s listed as a hard inquiry, which means Synchrony pulled your credit to decide whether to approve you.
Why SYNCB/CCDSTR Appears
Every time you apply for credit, the lender checks your credit profile. In this case, SYNCB stands for Synchrony Bank, and CCDSTR is linked to CareCredit. This credit check results in a hard inquiry that gets logged on your credit report.
How It Affects Your Credit Score
A single hard inquiry like SYNCB/CCDSTR usually drops your credit score by a few points. That’s not a big deal on its own, but several inquiries in a short time can make you look like a risk to lenders. That can hurt your chances of getting approved for new credit.
How Long SYNCB/CCDSTR Stays on Your Credit Report
SYNCB/CCDSTR can remain on your credit report for up to two years. However, its impact on your credit score fades much sooner—most credit scoring models stop counting it after one year.
What to Do If You Didn’t Authorize the Inquiry
If you don’t remember applying for CareCredit or think the inquiry is a mistake, act fast:
- Call Synchrony Bank: Ask for details about the inquiry and confirm whether you actually authorized it.
- Dispute the inquiry: If it wasn’t you, file a dispute with Equifax, Experian, and TransUnion. You can do this online or by mail.
How to Dispute SYNCB/CCDSTR
If the inquiry was unauthorized or incorrectly reported, you can request its removal by contacting the credit bureaus directly. Be sure to include any proof you have, such as correspondence showing you didn’t apply for the account.
You can also work with a trusted credit repair company that understands how to handle these issues professionally.
Synchrony Bank Contact Information
If you need to verify the inquiry or request more information:
Mailing Address:
Synchrony Bank
PO Box 965035
Orlando, FL 32896-5035
Phone Number:
(877) 295-2080
Need Help Fixing Your Credit?
Hard inquiries, late payments, and other negative marks can drag your credit score down. If you’re ready to take control, Credit Saint can help. They specialize in removing inaccurate hard inquiries and other harmful items from your credit report.
They even offer a 90-day money-back guarantee, so you can move forward with confidence.
Visit their website to get started and take the first step toward a stronger credit profile.
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