What is SYNCB/Gapdc?
SYNCB/Gapdc stands for Synchrony Bank/Gap DC.
SYNCB/Gapdc may be on your credit report as a hard inquiry. This usually happens when you apply for a Gap credit card issued by Synchrony Bank.
The Impact of SYNCB/Gapdc Inquiries on Your Credit Score
Hard inquiries on your credit report typically lower your credit score by only a few points. However, if you have too many inquiries, particularly in a short period, they can accumulate and cause significant damage to your credit score. Being aware of the number of inquiries you make and their potential impact on your credit score is crucial.
How long do hard inquiries stay on your credit report?
Hard inquiries can remain on your credit report for up to two years. Each time you make an inquiry, it is recorded by one or all three major credit bureaus: Equifax, Experian, and TransUnion. Regularly monitoring your credit report can help you stay informed about your inquiries and maintain a healthy credit score.
Removing SYNCB/Gapdc from Your Credit Report
If you’re looking to remove SYNCB/Gapdc from your credit report, there are a couple of routes you can take. The first option is to dispute the hard inquiry with the credit reporting agency, which entails writing a dispute letter that lays out the reasons why the inquiry is incorrect and urges its removal.
While disputing the inquiry yourself may be a viable solution, it can also be a cumbersome and time-consuming process that may not necessarily lead to the desired outcome. Another alternative is to engage the services of a credit repair company like Lexington Law.
With their focus on eliminating negative marks from credit reports, they bring over 18 years of experience to the table. As evidence of their effectiveness, their clients saw more than 6 million removals in 2021 alone.
Lexington Law can help you dispute (and possibly remove) various items, including:
- late payments
- charge offs
Act Now: Schedule a Free Credit Consultation
If you’re struggling with bad credit and want to learn more, consider a free credit consultation with Lexington Law. They have helped many people in similar situations and can provide tailored guidance for your specific needs. Visit their website and fill out the form to see what they can do for you, and start your journey toward a better credit score.
Ready to Raise Your Credit Score?
Some clients have raised their credit scores
by 100 points* or more.
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