If SYNCB/Chevron PLCC just showed up on your credit report and you’re not sure why, here’s what it means—and what to do next.
What SYNCB/Chevron PLCC Means on Your Credit Report
SYNCB/Chevron PLCC is how a Chevron credit card issued by Synchrony Bank appears on your credit report. You’ll typically see it when you apply for the card, because the application process includes a hard credit inquiry.
If you’re approved, the credit account itself may also show up—usually under the same or a similar name.
Why It Shows Up in the First Place
When you apply for a Chevron credit card, Synchrony Bank pulls your credit report to decide whether to approve you. This triggers a hard inquiry, which gets recorded in your credit history.
A hard inquiry doesn’t stay on your credit report forever, but it can affect your credit score in the short term—usually by just a few points. Still, too many inquiries in a short period can raise red flags for lenders.
How Hard Inquiries Like SYNCB/Chevron PLCC Affect Your Credit
- Short-term dip: A single hard inquiry usually lowers your credit score by 5 points or less.
- Multiple inquiries: If you apply for several credit cards or loans in a short timeframe, the cumulative effect can be more noticeable.
- Lender concerns: Too many recent inquiries can signal to lenders that you may be overextending yourself.
To protect your credit score, space out credit applications and only apply when necessary.
Can You Remove SYNCB/Chevron PLCC From Your Credit Report?
Yes—if the inquiry was made in error or wasn’t authorized by you, you can have it removed. But if it’s legitimate (you applied for the Chevron credit card), the inquiry will stay for up to two years, though its impact fades after a few months.
Here’s how to handle it.
How to Dispute SYNCB/Chevron PLCC on Your Own
If you didn’t apply for this credit card—or you suspect identity theft—you can dispute the hard inquiry directly with the credit bureaus. Here’s how:
- Contact all three credit bureaus: Reach out to Equifax, Experian, and TransUnion individually.
- Gather evidence: Include any supporting documents that show you didn’t authorize the inquiry.
- Follow up: Keep track of your dispute and make sure it’s resolved.
If the inquiry is found to be unauthorized, the credit bureau will remove it.
When to Consider Credit Repair Help
If you’re dealing with multiple unauthorized inquiries—or if your credit report includes other negative items like collections or late payments—it might be worth getting professional help.
A reputable credit repair company like Credit Saint can handle disputes on your behalf. They’ve helped many people remove inaccurate or damaging information from their credit reports, including hard inquiries.
They even offer a 90-day money-back guarantee if you’re not satisfied with their service.
Take the Next Step Toward Better Credit
Mistakes on your credit report can cost you in the form of higher interest rates or loan rejections. Don’t ignore them.
If SYNCB/Chevron PLCC wasn’t authorized by you, take action. You can dispute it yourself—or let a trusted service like Credit Saint do the heavy lifting. With the backing of their 90-day money-back guarantee, there’s no risk in seeing what they can do for you.
Visit their website to learn more and see if you qualify for help.
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