Seeing SYNCB/Google on your credit report can be confusing, especially if you weren’t expecting it. Here’s what it means, how it affects your credit, and what to do if it doesn’t belong there.
What SYNCB/Google Means on a Credit Report
SYNCB/Google refers to a credit application involving Synchrony Bank and the Google Store. Synchrony Bank issues the Google Store credit card, which lets customers finance purchases like Pixel phones, Chromebooks, and smart home devices.
If you applied for financing through the Google Store, this code is the result of that application.
Why SYNCB/Google Appears on Your Credit Report
When you apply for a Google Store credit card, Synchrony Bank pulls your credit file to review your credit history. This creates a hard inquiry, which shows up on your credit report.
Hard inquiries are common with new credit applications, but if you didn’t apply for this card, it could signal a problem.
How SYNCB/Google Affects Your Credit Score
A hard inquiry from SYNCB/Google can lower your credit score by a few points. The effect is usually small, but multiple inquiries in a short time can have a bigger impact. Lenders may see frequent credit checks as a sign that you’re trying to take on more debt than you can manage.
If you’re working to build or maintain a strong credit score, it’s important to keep hard inquiries to a minimum.
How Long SYNCB/Google Stays on Your Credit Report
A hard inquiry from SYNCB/Google can stay on your credit report for up to two years. The three major credit bureaus—Equifax, Experian, and TransUnion—will all record it.
The impact on your credit score fades after about 12 months, but the inquiry remains visible until it falls off after 24 months.
What to Do if the SYNCB/Google Inquiry Wasn’t Authorized
If you don’t remember applying for a Google Store credit card, take action quickly:
- Contact Synchrony Bank: Ask them to verify whether an application was submitted using your information.
- Dispute the Inquiry With the Credit Bureaus: If the inquiry was unauthorized, you can file a dispute with Equifax, Experian, and TransUnion to have it removed.
- Monitor Your Credit Reports: Watch for other unfamiliar activity in case your information has been used elsewhere.
Can You Remove SYNCB/Google From Your Credit Report?
If the inquiry was legitimate, it will stay on your credit report for the full two years. But if it was unauthorized or added by mistake, you can dispute it. Some people handle this process on their own, but others prefer to get professional help.
Credit repair companies like Credit Saint specialize in removing inaccurate or unauthorized items from credit reports. That includes hard inquiries, as well as:
- Late payments
- Collections
- Charge-offs
- Foreclosures
- Repossessions
- Bankruptcies
Improve Your Credit With Expert Help
If your credit report is holding you back, it’s worth talking to someone who knows how to fix it. Credit Saint offers a free consultation to help you understand what’s affecting your credit and what can be done to improve it.
They even offer a 90-day money-back guarantee if you’re not satisfied. To see what they can do for you, visit their website and fill out the form to get started.
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