How to Remove SYNCB/Google From Your Credit Report

SYNCB/Google on your credit report is the code that appears when Synchrony Bank runs a hard inquiry for a Google Store financing application. SYNCB stands for Synchrony Bank, and Google refers to the Google Store, where shoppers can finance purchases of Pixel phones, Chromebooks, tablets, Pixel Watches, and other Google hardware.

If you’ve recently bought a Google device and chose the financing option at checkout, this is exactly what you’d expect to see. If you don’t recognize it, it’s worth looking into right away.

What Is SYNCB/Google on Your Credit Report?

SYNCB/Google is the credit bureau code for a hard inquiry placed by Synchrony Bank in connection with a Google Store financing application. Google Store Financing is a private label credit card issued and serviced exclusively by Synchrony Bank.

It can only be used for purchases made at store.google.com, with a minimum cart value of $149, and is commonly used to finance Pixel phones with 0% APR over 12 or 24 months.

The inquiry appears on your credit report whether your application was approved, denied, or left incomplete.

Why SYNCB/Google Appears on Your Credit Report

This entry almost always traces back to a Google Store financing application. Here’s how it typically comes up:

• Checkout financing application: When purchasing a Pixel phone, Chromebook, tablet, or Pixel Watch from the Google Store, customers are offered the option to apply for financing through Synchrony Bank. Applying at that point generates a hard inquiry recorded as SYNCB/Google.
• Carrier-linked purchase: Google Store Financing can also be used when buying a phone through a carrier like Verizon or AT&T via the Google Store, which generates the same Synchrony hard inquiry.
• Unauthorized application: If someone used your personal information to apply for Google Store Financing without your knowledge, the hard inquiry still appears on your credit report.

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

How Long SYNCB/Google 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 with no action required.

If your Google Store Financing 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/Google Entry

An unfamiliar SYNCB/Google entry on your credit report is worth taking seriously. Tech fraud is common, and Google device financing is a target. Here’s how to handle it:

• Contact Synchrony Bank directly: Ask them to confirm what was financed, when the inquiry was pulled, and whether an account was opened. They can verify whether the application was connected to your personal information.
• Check your Google account: Log into your Google account and review any orders or financing activity you don’t recognize.
• 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/Google inquiry, here is their contact information:

Phone: (866) 794-8802

Mailing Address: Synchrony Bank, 170 Election Road, Suite 125, Draper, UT 84020

Bottom Line

SYNCB/Google on your credit report is a Synchrony Bank hard inquiry tied to a Google Store financing application. If you recently financed a Pixel phone or other Google device, this entry is expected and will age off your credit report after two years.

If you don’t recognize it, act quickly. Contact Synchrony Bank, review your Google account for unfamiliar activity, and dispute the entry with the credit bureaus if you can’t verify it was authorized. Tech financing fraud can move fast, and catching it early makes a real difference.