How to Remove SYNCB/Home Dsgn Ce Appl From Your Credit Report

If you’ve noticed SYNCB/Home Dsgn Ce Appl on your credit report, you might be wondering what it is—and whether it’s hurting your credit. Here’s what you need to know and how to handle it.

What SYNCB/Home Dsgn Ce Appl Means

SYNCB/Home Dsgn Ce Appl is shorthand for Synchrony Bank/Home Design Center Application. This typically shows up on your credit report when you apply for a Home Design credit card backed by Synchrony Bank. These cards are often used to finance home improvement purchases with special financing options.

Why It’s Showing Up on Your Credit Report

When you apply for the Home Design credit card, Synchrony Bank runs a hard inquiry. That’s what causes SYNCB/Home Dsgn Ce Appl to appear on your credit report.

Even if you’re approved, the inquiry still gets recorded. If you didn’t apply for this card—or don’t recognize the name—it could be an error or unauthorized activity.

Does SYNCB/Home Dsgn Ce Appl Hurt Your Credit Score?

Hard inquiries can cause a small dip in your credit score, usually around 5 points. That impact is temporary. However, if you have multiple hard inquiries in a short time, lenders might see you as a higher risk.

A single hard inquiry isn’t a big deal. But if you didn’t authorize it, that’s another story.

How Long Does It Stay on Your Credit Report?

SYNCB/Home Dsgn Ce Appl—and any hard inquiry—can stay on your credit report for up to two years. The good news is, their effect on your credit score usually fades after a few months. After that, they’re just sitting there with little to no impact.

How to Remove SYNCB/Home Dsgn Ce Appl From Your Credit Report

If you didn’t authorize this credit check or if you’re just looking to clean up your credit report, here’s what you can do:

• Check for authorization: Make sure it wasn’t you or a joint account holder who applied.
• Dispute with the credit bureaus: You can file a dispute online with Equifax, Experian, or TransUnion if you believe the inquiry was in error.
• Work with a professional: Credit repair companies like Credit Saint can help dispute unauthorized inquiries and other negative items. They work on your behalf to challenge hard inquiries, late payments, collections, bankruptcies, and more.

Rebuild and Improve Your Credit

Removing a single inquiry is a good start, but if your credit has taken a bigger hit, it might be time for a more thorough approach. Credit Saint offers personalized guidance and has helped thousands of people repair their credit.

They even offer a 90-day money-back guarantee if you’re not satisfied with the results.

Ready to take the next step? Visit their website and see how Credit Saint can help you take control of your credit.