If you’ve seen SYNCB/Gapdc on your credit report, it usually means you applied for a Gap credit card. These store cards are issued by Synchrony Bank, and the entry reflects a hard credit inquiry made during the application process. Whether the entry is authorized or not, knowing how to handle it can help you keep your credit profile in good shape.
What SYNCB/Gapdc Means on Your Credit Report
SYNCB/Gapdc is short for Synchrony Bank/Gap DC. It shows up when you apply for a Gap credit card, triggering a credit check from Synchrony Bank. This results in a hard inquiry, which is then recorded on your credit report.
Even if your application was denied or canceled, the hard inquiry still remains as a record that you applied for credit.
Why SYNCB/Gapdc Appears as a Hard Inquiry
When you apply for a store credit card like the one offered by Gap, Synchrony Bank pulls your credit to determine if you qualify. This credit pull is a hard inquiry, and it’s standard practice for most credit applications.
SYNCB/Gapdc is simply how that inquiry is labeled in your credit report system.
How SYNCB/Gapdc Affects Your Credit Score
Hard inquiries typically lower your credit score by a few points. One inquiry on its own usually won’t cause major damage. But if you’ve applied for several credit accounts in a short time, the impact can add up.
Lenders may see multiple inquiries as a sign you’re taking on more debt, which could hurt your chances of getting approved for new credit.
How Long SYNCB/Gapdc Stays on Your Credit Report
Like other hard inquiries, SYNCB/Gapdc can stay on your credit report for up to two years. Its effect on your credit score fades after the first few months, but the inquiry will still be visible to lenders until it drops off automatically.
Tracking these inquiries can help you better manage your credit, especially if you’re planning to apply for a loan or mortgage.
What to Do If You Don’t Recognize the SYNCB/Gapdc Inquiry
If you didn’t apply for a Gap credit card, the inquiry may be the result of:
- A reporting error
- Someone applying for credit in your name
- A credit check you don’t remember authorizing
In any of these cases, take the following steps:
- Contact Synchrony Bank: Confirm whether an application was submitted using your information.
- Dispute the inquiry: If the inquiry was made in error or without your permission, file a dispute with Equifax, Experian, and TransUnion.
- Place a fraud alert: If you believe your identity was used fraudulently, add a fraud alert to your credit report for added protection.
Can SYNCB/Gapdc Be Removed From Your Credit Report?
Yes—if the inquiry was unauthorized or inaccurately reported. Under the Fair Credit Reporting Act (FCRA), you have the right to dispute incorrect information on your credit report.
You can write and submit a dispute letter to the credit bureaus yourself. However, if you’re short on time or prefer professional help, a credit repair company like Credit Saint can guide you through the process.
They specialize in challenging and removing negative items like:
- Hard inquiries
- Late payments
- Collections
- Charge-offs
- Repossessions
- Bankruptcies
Take Control of Your Credit Today
If your credit report includes inaccurate or unwanted entries like SYNCB/Gapdc, it’s worth taking action now. Credit Saint has helped many people clean up their credit and move toward better financial opportunities.
Their 90-day money-back guarantee shows how confident they are in their process.
Visit their website to get started and take the first step toward improving your credit.
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