How to Remove SYNCB/Low From Your Credit Report

SYNCB/Low may appear on your credit report after Synchrony Bank checks your credit for a Lowe’s credit card or financing application. SYNCB stands for Synchrony Bank, while Low is a shortened reference to Lowe’s.

An accurate hard inquiry usually remains until it expires. You may be able to remove SYNCB/Low when you never applied, the same inquiry appears more than once, the details are wrong, or someone used your personal information without permission.

What Is SYNCB/Low on Your Credit Report?

SYNCB/Low is a credit report label tied to a Lowe’s credit application handled by Synchrony Bank. Synchrony currently issues the MyLowe’s Rewards Credit Card and several Lowe’s business credit products. Lowe’s also lists other financing options that may appear under different lender names.

A full application may cause Synchrony Bank to request your credit report from one or more credit bureaus. That request can appear as a hard inquiry under SYNCB/Low or a similar abbreviation.

The inquiry can appear even if Synchrony Bank denies the application. An approved account may appear separately.

Which Lowe’s Cards May Cause SYNCB/Low?

Current Lowe’s and Synchrony materials list several Synchrony-backed products:

• MyLowe’s Rewards Credit Card: A consumer card for eligible Lowe’s purchases.
• MyLowe’s Pro Rewards Credit Card: A business card for professional customers.
• MyLowe’s Pro Rewards American Express Card: A business card with broader acceptance.
• Lowe’s Commercial Account: A commercial credit option for eligible businesses.

The code may not identify the exact product. Contact Synchrony Bank when the inquiry date does not match your records.

Why SYNCB/Low May Appear

Most SYNCB/Low inquiries come from a Lowe’s credit application. Common explanations include:

• In-store application: You applied at checkout or a customer service desk.
• Online application: You completed a form through Lowe’s or Synchrony Bank.
• Project financing: You requested credit for appliances, materials, or another home project.
• Business application: You applied for a Lowe’s professional or commercial account.
• Denied request: Synchrony checked your credit before declining the application.
• Duplicate inquiry: One application produced more than one entry.
• Unauthorized application: Someone used your personal information.
• Mixed credit file: The inquiry belongs to another consumer.

A denied application does not make the inquiry inaccurate. The inquiry records the credit check, not the final decision.

Can You Remove SYNCB/Low From Your Credit Report?

You can dispute SYNCB/Low when the inquiry is unauthorized, duplicated, or inaccurate. An authorized inquiry generally remains until the credit bureau removes it under its normal reporting schedule.

Removal may be appropriate when:

• You never applied for a Lowe’s credit product.
• You did not give another person permission to apply.
• The same application appears more than once.
• The inquiry date or company information is wrong.
• The entry belongs to someone else.
• Identity theft caused the application.

You usually cannot remove an accurate inquiry because you changed your mind, received a denial, never used the account, or closed it after approval. Accurate information generally cannot be removed only because it is unfavorable.

How to Identify the Lowe’s Application

Start with the inquiry date and compare it with your recent purchases and financing requests.

Review All Three Credit Reports

Check your Equifax, Experian, and TransUnion credit reports. The inquiry may appear on only one credit report.

Record:

• Inquiry name: Copy the label exactly as shown.
• Inquiry date: Compare it with Lowe’s purchases and applications.
• Credit bureau: Note which credit report contains it.
• Contact details: Save any listed phone number or address.
• Related account: Look for a Lowe’s or Synchrony account you do not recognize.

Check Your Lowe’s and Email Records

Search your email for Lowe’s or Synchrony Bank application notices. Review receipts, online orders, contractor purchases, and financing documents from the inquiry date.

You may have applied for special financing during an appliance purchase or home project and remembered the offer rather than the bank name.

Contact Synchrony Bank

Use the phone number tied to the Lowe’s product. Synchrony currently lists 800-444-1408 for the MyLowe’s Pro Rewards Credit Card and 866-796-1609 for the MyLowe’s Pro Rewards American Express Card. Consumer cardholders can use the contact information shown in their account portal, statement, or credit report.

Ask Synchrony Bank to confirm:

• The product name
• The application date and method
• The contact information used
• Whether the request was approved or denied
• Whether an account was opened
• Which credit bureau Synchrony checked
• What records show your authorization

Tell the representative that you do not recognize the application when that is true. Ask for a case number and the correct department for fraud or credit reporting disputes.

How to Dispute an Unauthorized SYNCB/Low Inquiry

Contact Synchrony Bank and each credit bureau that reports the entry. Keep copies of all letters, documents, emails, and confirmation numbers.

File a Dispute With the Credit Bureau

Submit a dispute only to the credit bureau or credit bureaus that show SYNCB/Low.

Include:

• Identity documents: Follow the credit bureau’s requirements.
• Credit report copy: Mark the disputed inquiry.
• Inquiry details: List the exact name and date.
• Clear explanation: State that you did not submit or authorize the application.
• Supporting records: Add any response from Synchrony Bank.
• Requested action: Ask for removal of the unauthorized or inaccurate inquiry.

Credit bureaus generally must investigate within 30 days. Some cases may take up to 45 days. You should also dispute the entry directly with Synchrony Bank.

Send a Direct Dispute to Synchrony Bank

Ask Synchrony Bank for the current mailing address that handles unauthorized applications or credit reporting disputes. Do not assume that a payment address accepts dispute documents.

Your letter should identify the inquiry date, the credit bureau that lists it, and the reason for your dispute. Request proof that you submitted or approved the application.

Send copies of supporting records rather than originals. Keep proof of delivery.

Review the Investigation Results

Check the response from the credit bureau and obtain an updated credit report. Confirm whether the inquiry was removed, corrected, or verified.

Ask Synchrony Bank what information supported verification if the inquiry remains. A second dispute should include new evidence or point out a clear problem with the first investigation.

What to Do If a Lowe’s Account Was Opened

An unauthorized inquiry may be tied to an unauthorized credit account. Removing the inquiry does not close the account or remove its account history.

Ask Synchrony Bank whether it approved the application, issued a card, or financed a purchase. Report the account as fraudulent when you did not open it.

Dispute the account separately with Synchrony Bank and every credit bureau that reports it. Identify any false balance, payment history, address, or account status.

Protect Your Credit After a Suspicious Inquiry

Synchrony lists 866-834-3205 for fraud concerns. Contact the fraud department when someone may have used your information.

You may also place a fraud alert or credit freeze:

• Fraud alert: Tells creditors to take added steps to confirm your identity.
• Credit freeze: Restricts access to your credit files until you lift it.

Continue checking your credit reports for other unfamiliar activity.

How Long SYNCB/Low Stays on Your Credit Report

A hard inquiry can remain on your credit report for up to two years. It should disappear automatically after that period.

The inquiry may remain after a denial, account closure, or decision not to use the card. SYNCB/Low may not appear on all three credit reports. It appears only on the credit report or credit reports that Synchrony Bank accessed.

How SYNCB/Low May Affect Your Credit Score

A hard inquiry may affect your credit score, but no fixed point loss applies to everyone. The result depends on the credit scoring model and the rest of your credit history.

Several recent applications may matter more than one inquiry. Payment history, credit utilization, balances, and account history usually have more influence.

Checking your own credit report does not create a hard inquiry or lower your credit score.

Synchrony Bank Lowe’s Contact Information

Use the number that matches the Lowe’s product:

MyLowe’s Pro Rewards Credit Card: 800-444-1408

MyLowe’s Pro Rewards American Express Card: 866-796-1609

Synchrony Fraud Department: 866-834-3205

Consumer cardholders should use the number shown in their Lowe’s credit account, statement, or credit report. Call before mailing documents and request the current address for fraud claims or credit reporting disputes.

Bottom Line

SYNCB/Low usually means Synchrony Bank checked your credit after a Lowe’s credit card or financing application. An accurate inquiry can remain on your credit report for up to two years.

Investigate the entry when you do not recognize it. Contact Synchrony Bank, identify the exact Lowe’s product, and confirm whether an account was opened.

Dispute SYNCB/Low with each credit bureau that reports it when the application was unauthorized, duplicated, or inaccurate. Check for a related Lowe’s account as well.