How to Remove SYNCB/CCDSTR From Your Credit Report

If SYNCB/CCDSTR just appeared on your credit report, the code itself tells you almost nothing at first glance. It’s one of several different codes Synchrony Bank uses for CareCredit, their healthcare financing card.

SYNCB stands for Synchrony Bank, and CCDSTR is simply an alternate abbreviated identifier for CareCredit that shows up depending on the credit bureau and the type of account or inquiry being reported.

The fact that CareCredit generates multiple codes, including SYNCB/CARECR and SYNCB/CareCredit, is one of the reasons people find these entries confusing. They all point to the same product.

What Is SYNCB/CCDSTR on Your Credit Report?

SYNCB/CCDSTR is a Synchrony Bank code tied to CareCredit, a healthcare and wellness financing card used at dental offices, vision centers, veterinary clinics, cosmetic practices, and thousands of other provider locations. Synchrony Bank is the issuer behind CareCredit, and when you apply for the card, they run a hard inquiry on your credit report.

The code that shows up can vary depending on which credit bureau is reporting it and how the inquiry was submitted. SYNCB/CCDSTR, SYNCB/CARECR, and SYNCB/CareCredit are all variations of the same entry.

Why SYNCB/CCDSTR Appears on Your Credit Report

This entry shows up when Synchrony Bank runs a credit check in connection with a CareCredit application. Because CareCredit is offered at more than 285,000 provider locations, the application often happens in a medical or veterinary setting where people are focused on their care rather than the credit check that follows.

Common situations that generate this entry include:

• Provider-initiated application: Many healthcare and veterinary offices offer CareCredit financing at the point of care. Staff sometimes walk patients through the application process as part of setting up a payment plan.
• Self-initiated application: Applying directly through carecredit.com generates the same Synchrony hard inquiry as applying at a provider’s office.
• Unauthorized application: If someone used your personal information to apply for CareCredit without your knowledge, the hard inquiry still appears on your credit report.

How SYNCB/CCDSTR Affects Your Credit Score

A single hard inquiry from Synchrony Bank causes a small dip in your credit score, typically just a few points. That’s not a meaningful concern on its own. The effect fades within the first 12 months and becomes negligible well before the entry drops off your credit report.

Where it becomes more significant is when SYNCB/CCDSTR is one of several hard inquiries appearing within a short period. Multiple inquiries can signal to lenders that you’re actively seeking new credit, which can affect future approval decisions.

How Long SYNCB/CCDSTR Stays on Your Credit Report

Hard inquiries remain on your credit report for two years from the date they were pulled. All three major credit bureaus, Equifax, Experian, and TransUnion, display the entry during that window. Once the two years are up, it drops off automatically with no action required.

What to Do If You Don’t Recognize SYNCB/CCDSTR

Because CareCredit applications frequently happen in the middle of medical appointments, it’s easy to forget applying or not fully register the credit check at the time. Think back to any recent dental, vision, veterinary, or other healthcare visits before assuming the entry is unauthorized.

If you still can’t account for it, here’s what to do:

• Contact Synchrony Bank directly: Ask them to identify which provider location the application was submitted through and when it was made. They can connect the entry to a specific appointment or rule out a legitimate explanation.
• Dispute with the credit bureaus: If Synchrony cannot verify that you authorized the inquiry, file a formal dispute with Equifax, Experian, and TransUnion. Include your personal details and a written explanation of why the entry should be removed from your credit report.
• Place a fraud alert or credit freeze: If you suspect identity theft, a fraud alert requires lenders to verify your identity before approving new applications. A credit freeze provides stronger protection by blocking new credit entirely until you lift it.

Synchrony Bank Contact Information

If you need to reach Synchrony Bank to ask about a SYNCB/CCDSTR inquiry, here is their contact information:

Phone: (866) 893-7864

Mailing Address: Synchrony Bank, P.O. Box 71715, Philadelphia, PA 19176-1715

Bottom Line

SYNCB/CCDSTR on your credit report is one of several codes Synchrony Bank uses for CareCredit, their healthcare financing card. If you’ve visited a doctor, dentist, vet, or other provider recently and applied for financing, this entry almost certainly traces back to that visit.

If you don’t recognize it, contact Synchrony Bank to find out which provider submitted the application, and dispute the entry with the credit bureaus if you can’t verify it was authorized. Healthcare financing inquiries are among the easiest to overlook in the moment, which makes them worth tracking down when they appear unexpectedly.