How to Remove SYNCB/CCSYCC From Your Credit Report

SYNCB/CCSYCC on your credit report is another Synchrony Bank code where the specific retailer behind the abbreviation isn’t publicly documented. SYNCB is clearly Synchrony Bank, one of the largest issuers of store credit cards in the country.

The CCSYCC portion, however, is a compressed identifier that doesn’t map cleanly to any single well-known retail partner in any publicly available source.

This puts SYNCB/CCSYCC in the same category as a handful of other Synchrony codes: the bank is identifiable, but the specific card or retailer requires a direct call to Synchrony to confirm.

What Is SYNCB/CCSYCC on Your Credit Report?

SYNCB/CCSYCC is a Synchrony Bank credit inquiry code. Synchrony issues store-branded credit cards for hundreds of retailers, and the codes that appear on credit reports are often shortened or compressed versions of partner names that don’t translate back clearly without looking them up.

The entry shows up as a hard inquiry when Synchrony runs a credit check in connection with a store card application, regardless of whether you were approved, denied, or never finished the application.

Why SYNCB/CCSYCC Appears on Your Credit Report

Because the specific retailer tied to this code isn’t publicly confirmed, the most practical approach is to think back to any store credit cards you may have applied for recently. Synchrony partners span a wide range of categories including home goods, apparel, automotive, healthcare, and electronics.

Common situations that generate Synchrony hard inquiries include:

• In-store application: Many Synchrony partner retailers offer card sign-ups at checkout, often with a discount incentive that makes it easy to apply on the spot without fully processing the credit check that follows.
• Online application: Applying through a retailer’s website generates the same Synchrony hard inquiry as applying in person.
• Preapproval response: If you received a preapproved offer from a Synchrony partner and responded to it, that response counts as a formal application and generates a hard inquiry.
• Unauthorized application: If someone used your personal information to apply for a Synchrony-backed card without your knowledge, the hard inquiry still appears on your credit report.

How SYNCB/CCSYCC 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 impact grows when multiple hard inquiries appear within a short period, which can signal to lenders that you’re actively seeking new credit.

The effect on your credit score fades within 12 months and becomes negligible well before the entry drops off your credit report entirely.

How Long SYNCB/CCSYCC 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 See SYNCB/CCSYCC on Your Credit Report

Whether or not you recognize this entry, identifying which retailer it’s tied to is the most important first step.

• Contact Synchrony Bank directly: Ask them to identify which retail partner or product generated the inquiry and when it was pulled. Synchrony can look up the inquiry by date and connect it to a specific partner, which is the fastest way to determine whether it’s something you recognize.
• Dispute with the credit bureaus if unauthorized: If Synchrony confirms you did not authorize 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/CCSYCC inquiry, here is their contact information:

Phone: (866) 419-4096

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

Bottom Line

SYNCB/CCSYCC on your credit report is a Synchrony Bank hard inquiry, but the specific retailer behind the code isn’t publicly documented. The single most useful thing you can do is call Synchrony Bank and ask them to identify which partner generated it. Once you know which store it’s tied to, you can quickly determine whether the entry belongs on your credit report or needs to be disputed.

Don’t leave an unexplained Synchrony entry sitting on your credit report without getting a clear answer. A quick call is all it takes.