How to Remove SYNCB/Chevron PLCC From Your Credit Report

SYNCB/Chevron PLCC on your credit report is straightforward once you break it down. SYNCB stands for Synchrony Bank, Chevron refers to the gas station brand, and PLCC stands for Private Label Credit Card. Together, the code identifies a hard inquiry from Synchrony Bank tied to an application for the Chevron and Texaco credit card.

If you’ve filled up at a Chevron or Texaco station recently and applied for their card, this is the expected entry. If you don’t recognize it, here’s what you need to know.

What Is SYNCB/Chevron PLCC on Your Credit Report?

SYNCB/Chevron PLCC is the credit bureau code for a Synchrony Bank hard inquiry connected to a Chevron and Texaco credit card application. Synchrony Bank issues the Chevron and Texaco card, which is currently marketed as the Techron Advantage Card and can be used for fuel and other purchases at Chevron and Texaco stations across the country.

When you apply for the card, Synchrony runs a credit check and the inquiry is recorded on your credit report under the SYNCB/Chevron PLCC code, regardless of whether your application was approved or denied.

Why SYNCB/Chevron PLCC Appears on Your Credit Report

This entry almost always traces back to a Chevron or Texaco credit card application. Here’s how it typically comes up:

• In-station application: Chevron and Texaco locations sometimes promote their card with fuel discount incentives. Drivers who apply at the pump or inside the station generate this inquiry.
• Online application: Applying through the Chevron or Synchrony website generates the same hard inquiry as an in-station application.
• Unauthorized application: If someone used your personal information to apply for the card without your knowledge, the hard inquiry still appears on your credit report.

How SYNCB/Chevron PLCC Affects Your Credit Score

A single hard inquiry from Synchrony Bank causes a small dip in your credit score, typically five points or less. 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 fades within the first few months and becomes negligible well before the entry drops off your credit report entirely.

How Long SYNCB/Chevron PLCC 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.

If your application was approved and an account was opened, that account also appears separately on your credit report as a tradeline, affecting your credit score based on payment history, credit utilization, and account age.

What to Do If You Don’t Recognize the SYNCB/Chevron PLCC Entry

An unfamiliar SYNCB/Chevron PLCC entry on your credit report is worth investigating. Here’s how to handle it:

• Contact Synchrony Bank directly: Ask them to confirm what triggered the inquiry, when it was pulled, and whether an account was opened as a result. They can verify whether the application was connected to your personal information.
• 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: 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/Chevron PLCC 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/Chevron PLCC on your credit report is a Synchrony Bank hard inquiry tied to a Chevron and Texaco credit card application. If you recognize the application, the entry is legitimate and will age off your credit report after two years without any action needed.

If you don’t recognize it, contact Synchrony Bank to find out what triggered it and dispute the entry with the credit bureaus if you can’t verify it was authorized. A gas station card inquiry might seem low stakes, but an unauthorized one is always worth tracking down.