How to Remove SYNCB/Low From Your Credit Report

If you’ve noticed SYNCB/Low on your credit report, you might be wondering what it means and how it could affect your credit. Here’s what to know—and how to get it removed if necessary.

What Is SYNCB/Low on Your Credit Report?

SYNCB/Low appears on your credit report when you apply for a Lowe’s credit card issued by Synchrony Bank. The code stands for Synchrony Bank/Lowe’s and usually shows up as a hard inquiry.

Hard inquiries happen when a lender checks your credit during the application process. Even if you don’t get approved for the card, the inquiry still stays on your credit report for a while.

Why SYNCB/Low Shows Up on Your Credit Report

SYNCB/Low appears because Synchrony Bank reviewed your credit history after you applied for a Lowe’s credit card. This is a standard part of applying for most credit cards or loans.

Hard inquiries let other lenders know you’ve recently applied for credit, which they may consider when reviewing future applications.

How SYNCB/Low Affects Your Credit Score

Hard inquiries like SYNCB/Low can lower your credit score slightly, usually by a few points. One inquiry is not a major concern, but several inquiries close together can raise red flags for lenders.

If lenders see multiple hard inquiries in a short time, they might assume you’re taking on financial risk by applying for too much credit.

To protect your credit score, try to space out applications and only apply for new credit when needed—especially if you plan to apply for a mortgage, auto loan, or other major financing.

How Long SYNCB/Low Stays on Your Credit Report

SYNCB/Low hard inquiries stay on your credit report for up to two years. Other lenders can see the inquiry during that time, but the impact on your credit score fades as the months pass.

After 24 months, the inquiry automatically drops off your credit report.

Monitoring your credit regularly is a smart way to track how long inquiries have been there and stay informed about your overall credit health.

How to Remove SYNCB/Low From Your Credit Report

If you didn’t apply for a Lowe’s credit card or believe the SYNCB/Low inquiry is a mistake, you have the right to dispute it.

Start by contacting Synchrony Bank to verify the inquiry. They can confirm if it was legitimate or an error.

If the inquiry wasn’t authorized, your next step is to dispute it with the major credit bureaus—Equifax, Experian, and TransUnion.

Getting incorrect inquiries removed protects your credit score and keeps your credit report accurate.

Need Help Removing SYNCB/Low From Your Credit Report?

If you’d rather have professional help, credit repair companies like Credit Saint can assist.

They’ve helped thousands of people remove unauthorized inquiries and other negative items—and they even offer a 90-day money-back guarantee for extra peace of mind.

Schedule a free credit consultation to see how they can help improve your credit.