What is SYNCB/Google?
SYNCB/Google is a code that you might see on your credit report, and it typically refers to a credit relationship involving Synchrony Bank and Google. Specifically, this code is associated with the Google Store credit card, which Synchrony Bank issues to allow customers to finance their purchases of Google products like smartphones, laptops, and smart home devices.
Why SYNCB/Google Appears on Your Credit Report
If you notice SYNCB/Google on your credit report, it’s likely because you applied for a Google Store credit card issued by Synchrony Bank. When you submit a credit application, the bank conducts a credit check, resulting in a hard inquiry being recorded on your credit report.
The Impact of SYNCB/Google on Your Credit Score
Hard inquiries, such as those from SYNCB/Google, can slightly lower your credit score. While a single hard inquiry might only decrease your score by a few points, multiple hard inquiries in a short period can have a more significant impact. This is because lenders may view multiple inquiries as a sign that you are seeking too much credit at once, which could indicate financial distress.
How Long SYNCB/Google Stays on Your Credit Report
Hard inquiries like SYNCB/Google remain on your credit report for up to two years. These inquiries are documented by the major credit reporting agencies—Equifax, Experian, and TransUnion—and they gradually lose their impact on your credit score over time.
Addressing Unauthorized SYNCB/Google Inquiries
If you see a SYNCB/Google inquiry on your credit report that you don’t recognize, it’s important to investigate it promptly. Contact Synchrony Bank to determine why the inquiry was made. If it turns out that the inquiry was unauthorized, you can dispute it with the credit bureaus to have it removed from your report.
Removing SYNCB/Google from Your Credit Report
If the SYNCB/Google inquiry is incorrect or unauthorized, you might consider working with a credit repair company like Credit Saint. They specialize in disputing and removing unauthorized inquiries and other negative items from credit reports, including late payments, collections, charge-offs, foreclosures, repossessions, and bankruptcies.
Taking Control of Your Credit Health
Improving your credit score starts with understanding the factors that contribute to it, such as hard and soft inquiries. If you’re struggling with bad credit, consider seeking a free credit consultation with a reputable credit repair company like Credit Saint.
Visit their website, fill out the form, and take the first step toward improving your credit situation today.
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