Seeing SYNCB/DKS on your credit report might leave you confused, especially if you don’t remember applying for anything. This code is tied to Synchrony Bank, a major credit card issuer that partners with dozens of retail stores.
Whether it’s showing up as a hard inquiry or something more serious, here’s what you need to know—and how to remove it if it doesn’t belong.
What SYNCB/DKS Means on Your Credit Report
SYNCB/DKS stands for Synchrony Bank/Dick’s Sporting Goods. If you’ve applied for a store credit card through Dick’s Sporting Goods, you’ll likely see this code listed as a hard inquiry.
Synchrony Bank issues more than 100 store-branded credit cards, so SYNCB codes are common. If you’ve recently shopped with financing offers or applied for a store card, that’s likely the reason it appeared.
How SYNCB/DKS Inquiries Affect Your Credit Score
When you apply for a credit card, the lender pulls your credit report to assess risk. This triggers a hard inquiry.
One inquiry might lower your credit score by a few points. But several inquiries in a short time can signal higher risk to lenders and may cause more damage.
How Long SYNCB/DKS Stays on Your Credit Report
Hard inquiries like SYNCB/DKS can stay on your credit report for up to two years. They’re tracked by Equifax, Experian, and TransUnion.
That said, their impact fades with time. Most credit scoring models stop factoring them into your score after about 12 months.
How to Remove SYNCB/DKS From Your Credit Report
If the SYNCB/DKS inquiry is unfamiliar or you didn’t authorize it, don’t ignore it. Start by pulling your credit reports from all three bureaus to verify where it’s showing up.
Take these steps:
- Contact Synchrony Bank to ask about the reason for the inquiry.
- If the inquiry wasn’t authorized, dispute it with each credit bureau that lists it.
- Submit documentation, if needed, to support your claim.
You can file disputes online, by mail, or over the phone with Equifax, Experian, and TransUnion.
When to Consider Professional Help
If SYNCB/DKS is just one of several negative items dragging down your credit score, handling it all on your own can be tough.
Credit repair companies like Credit Saint work on your behalf to challenge questionable items and help clean up your credit report. They have experience removing hard inquiries and other issues like:
- late payments
- collections
- charge-offs
- repossessions
- foreclosures
- bankruptcies
They even offer a 90-day money-back guarantee, which gives you peace of mind as you take steps toward better credit.
Final Thoughts
SYNCB/DKS may seem like a small entry, but every piece of your credit report matters. If the inquiry is legitimate, it will fade in time. But if it’s not, take action quickly to protect your credit.
If you’re ready for expert support, Credit Saint may be the partner you need to get your credit back on track. Visit their website to learn more and take the next step
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