How to Remove SYNCB/DKS From Your Credit Report

SYNCB/DKS on your credit report is the code that appears when Synchrony Bank runs a hard inquiry for a Dick’s Sporting Goods credit card application. SYNCB stands for Synchrony Bank, and DKS is the stock ticker and shorthand for Dick’s Sporting Goods. If you’ve applied for their store card or Mastercard, this is exactly what you’d expect to see.

Synchrony and Dick’s Sporting Goods relaunched their credit card program in May 2026, now offering 10% back in rewards on qualifying purchases at Dick’s. The card is now called the Dick’s Credit Card, but SYNCB/DKS remains the code that shows up on credit reports for any application through the program.

What Is SYNCB/DKS on Your Credit Report?

SYNCB/DKS is the credit bureau code for a Synchrony Bank hard inquiry tied to a Dick’s Sporting Goods credit card application.

Synchrony Bank has been the issuing bank behind Dick’s credit program for more than two decades and currently offers two products: the Dick’s Credit Card, a private label card usable at Dick’s Sporting Goods, Dick’s House of Sport, Golf Galaxy, Golf Galaxy Performance Center, Public Lands, and Going Going Gone! stores, and the Dick’s Mastercard, which can be used anywhere Mastercard is accepted.

Applications for either card generate a SYNCB/DKS hard inquiry on your credit report.

Why SYNCB/DKS Appears on Your Credit Report

This entry almost always traces back to a Dick’s Sporting Goods credit card application. Common triggers include:

• In-store application: Dick’s locations frequently promote their credit card with rewards incentives and sign-up bonuses. Many shoppers apply at the register after making a large sporting goods purchase.
• Online application: Applying through the Dick’s website or the Synchrony portal generates the same hard inquiry as an in-store application.
• Unauthorized application: If someone used your personal information to apply for a Dick’s card without your knowledge, the hard inquiry still appears on your credit report.

How SYNCB/DKS 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 significantly within the first 12 months and becomes negligible well before the entry drops off your credit report.

How Long SYNCB/DKS 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.

If your Dick’s card 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/DKS Entry

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

• Contact Synchrony Bank directly: Ask them to confirm what product was applied for, when the inquiry 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/DKS 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/DKS on your credit report is a Synchrony Bank hard inquiry tied to a Dick’s Sporting Goods 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 sporting goods store card inquiry might seem minor, but an unauthorized one is always worth addressing promptly.