If SYNCB Hdnahf showed up on your credit report, you might be wondering what it means and how it could affect your credit score. Let’s break it down and explain how to get it removed if needed.
What Is SYNCB Hdnahf?
SYNCB Hdnahf is a code used by Synchrony Bank. Synchrony Bank provides store-branded credit cards for popular retailers across the country. If you recently applied for one of those credit cards, this mark likely appeared as part of the application process.
Why SYNCB Hdnahf Appears on Your Credit Report
When you apply for a store credit card backed by Synchrony Bank, they run a credit check. That triggers a hard inquiry, which shows up on your credit report with the label SYNCB Hdnahf. Hard inquiries signal to other lenders that you’re applying for new credit.
Do SYNCB Hdnahf Hard Inquiries Affect Your Credit Score?
Yes, hard inquiries can lower your credit score slightly. One hard inquiry isn’t a major issue for most people, but several inquiries in a short period can raise concerns for lenders. It may suggest you’re trying to open multiple credit accounts at once, which could make you appear like a higher risk.
How Long Does SYNCB Hdnahf Stay on Your Credit Report?
A hard inquiry like SYNCB Hdnahf stays on your credit report for up to two years. Lenders can view it during that time, but its impact on your credit score usually fades after the first few months.
What If You Don’t Recognize the SYNCB Hdnahf Inquiry?
If you didn’t apply for a Synchrony Bank credit card and still see SYNCB Hdnahf on your credit report, it’s important to take action. Start by contacting Synchrony Bank to ask about the inquiry. If it turns out to be unauthorized or fraudulent, you have the right to dispute it with the credit bureaus.
How to Remove SYNCB Hdnahf From Your Credit Report
If the inquiry is inaccurate, unauthorized, or the result of identity theft, you can dispute it. Here’s how:
- Contact the credit bureaus: You can file a dispute with Equifax, Experian, and TransUnion to have the inquiry investigated.
- Reach out to Synchrony Bank: If they confirm the inquiry was a mistake or unauthorized, they may contact the credit bureaus to remove it.
- Work with a credit repair company: Companies like Credit Saint help people remove incorrect hard inquiries, late payments, collections, and other negative marks that damage your credit score.
Take Control of Your Credit Today
If negative items on your credit report are holding you back, Credit Saint can help. They’ve assisted thousands of people with disputing inaccurate hard inquiries and other harmful marks. They even offer a 90-day money-back guarantee, so you can get started with confidence.
You can begin with a free credit consultation to see how they may help improve your credit. Visit their website to get started today.
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