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

SYNCB/Home Dsgn Ce Appl is a credit report entry that looks more complicated than it actually is. Breaking it down: SYNCB stands for Synchrony Bank, and “Home Dsgn Ce Appl” is a compressed version of Home Design Credit Application. It shows up when Synchrony Bank runs a hard inquiry for a Home Design credit card application.

What makes this one a little different from most Synchrony codes is that the Home Design card isn’t tied to a single retailer. It’s used across a wide range of home improvement businesses, which is why the entry can feel disconnected from anything obvious.

What Is SYNCB/Home Dsgn Ce Appl on Your Credit Report?

SYNCB/Home Dsgn Ce Appl is the credit bureau code for a Synchrony Bank hard inquiry connected to an application for the Synchrony Home Design Card. This is a private label credit card that Synchrony issues through a network of home improvement retailers and service providers, including furniture stores, flooring companies, HVAC contractors, window and door installers, and other home-related businesses.

Unlike most store cards that are tied to a single brand, the Home Design Card is offered through many different local and regional businesses that partner with Synchrony for financing. That’s why the entry might not immediately connect to something you remember by name.

Why SYNCB/Home Dsgn Ce Appl Appears on Your Credit Report

This entry appears when a Synchrony Home Design Card application triggers a hard inquiry. Common situations that generate it include:

• Home improvement financing: When you finance a large purchase through a contractor, furniture retailer, or home services company that partners with Synchrony, applying for their in-house financing through Synchrony generates this hard inquiry.
• Retailer-initiated application: Some partner businesses walk customers through a Synchrony application as part of setting up a payment plan. Customers sometimes don’t realize they’re applying for a credit card until the inquiry appears on their credit report.
• Unauthorized application: If someone used your personal information to apply for financing through a Synchrony Home Design partner without your knowledge, the hard inquiry still appears on your credit report.

How SYNCB/Home Dsgn Ce Appl Affects Your Credit Score

A single hard inquiry from Synchrony Bank causes a small dip in your credit score, typically around five points or less. 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 a few months and becomes negligible well before the entry drops off your credit report.

How Long SYNCB/Home Dsgn Ce Appl 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 Home Design Card 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/Home Dsgn Ce Appl Entry

Because the Home Design Card is offered through many different businesses rather than a single recognizable brand, it’s easy to forget applying, especially if a contractor or retailer set it up as part of a larger transaction. Think back to any recent home improvement projects, furniture purchases, or service calls before assuming the entry is unauthorized.

If you still can’t account for it, here’s how to handle it:

• Contact Synchrony Bank directly: Ask them to identify which partner business the application was submitted through and when. That information will usually connect the entry to a specific purchase or project you can verify.
• 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: If you suspect identity theft, 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/Home Dsgn Ce Appl inquiry, here is their contact information:

Phone: (866) 396-8254

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

Bottom Line

SYNCB/Home Dsgn Ce Appl on your credit report is a Synchrony Bank hard inquiry tied to a Home Design Card application, most likely submitted through a home improvement retailer, contractor, or service provider that partners with Synchrony. Because the card is offered through so many different businesses, the entry can feel unfamiliar even when it’s legitimate.

If you can connect it to a recent home project or furniture purchase, the entry is legitimate and will age off your credit report after two years. If you can’t, contact Synchrony Bank to identify which partner submitted the application, and dispute the entry with the credit bureaus if you can’t verify it was authorized.