If SYNCB/CCSYCC just showed up on your credit report, you’re probably wondering what it means—and whether it’s hurting your credit. Here’s what you need to know and how to remove it if it doesn’t belong.
What Is SYNCB/CCSYCC?
SYNCB/CCSYCC is a code used by credit bureaus to identify Synchrony Bank, which issues private-label and co-branded store credit cards for retailers like Amazon, Lowe’s, and JCPenney. When you apply for one of these credit cards, Synchrony Bank may check your credit, which creates a hard inquiry on your credit report.
Why SYNCB/CCSYCC Shows Up on Your Credit Report
This code usually appears when:
- You applied for a store-branded credit card backed by Synchrony Bank.
- You were preapproved for a retail credit offer and accepted it.
- Someone else applied using your information, which may indicate identity theft.
In all cases, the appearance of SYNCB/CCSYCC means your credit was pulled—whether by you or someone else.
How Hard Inquiries From SYNCB/CCSYCC Affect Your Credit
A single hard inquiry from SYNCB/CCSYCC might lower your credit score by a few points. This is normal and temporary. But if you’ve had multiple hard inquiries in a short period, the damage can add up. Too many inquiries can make you look risky to lenders and may reduce your chances of approval for new credit.
How Long SYNCB/CCSYCC Inquiries Stay on Your Credit Report
Hard inquiries from SYNCB/CCSYCC can stay on your credit report for up to two years. That said, most credit scoring models only consider inquiries from the last 12 months when calculating your credit score. As time passes, their impact fades.
What to Do If You Didn’t Authorize the Inquiry
If you didn’t apply for credit and see SYNCB/CCSYCC on your report, you should:
- Contact Synchrony Bank to ask for details about the inquiry.
- Check your recent activity to rule out forgotten applications.
- File a dispute with the credit bureaus if the inquiry is unauthorized.
- Freeze your credit if you suspect identity theft.
Synchrony Bank Contact Information
PO Box 965035
Orlando, FL 32896-5035
Phone: (877) 295-2080
How to Remove SYNCB/CCSYCC From Your Credit Report
You can remove an SYNCB/CCSYCC inquiry if it was placed in error or without your permission. Dispute it directly with the credit bureaus by providing any evidence that supports your claim. This might include a fraud report or written confirmation from Synchrony Bank.
If you’d rather not handle the process yourself, credit repair companies like Credit Saint can help. They specialize in disputing inaccurate hard inquiries and other negative marks, including:
- Collections
- Charge-offs
- Late payments
- Foreclosures
- Repossessions
- Bankruptcies
Take Back Control of Your Credit
If hard inquiries or other negative marks are dragging down your credit score, Credit Saint may be able to help. They specialize in removing inaccurate or unauthorized items like collections, charge-offs, and inquiries.
They even offer a 90-day money-back guarantee, so you can get started with confidence.
Visit their website to learn how they can help you rebuild your credit.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
