How to Remove SYNCB/Low From Your Credit Report

SYNCB/Low on your credit report is the code that appears when Synchrony Bank runs a hard inquiry for a Lowe’s credit card application. SYNCB stands for Synchrony Bank, and Low is the shortened form of Lowe’s, the home improvement retailer.

Synchrony has been Lowe’s credit card partner for years, and that relationship just expanded in April 2026 with the launch of a new co-branded professional card.

If you’ve applied for any Lowe’s credit product, this is the expected entry. If you don’t recognize it, here’s what to do.

What Is SYNCB/Low on Your Credit Report?

SYNCB/Low is the credit bureau code for a Synchrony Bank hard inquiry tied to a Lowe’s credit card application. Synchrony issues multiple Lowe’s credit products, including the MyLowe’s Rewards Credit Card for consumers and the MyLowe’s Pro Rewards Credit Card and MyLowe’s Pro Rewards American Express Card for professionals and contractors.

Applications for any of these cards generate a SYNCB/Low hard inquiry on your credit report, regardless of whether you were approved or denied.

Why SYNCB/Low Appears on Your Credit Report

This entry almost always traces back to a Lowe’s credit card application. Here’s how it typically comes up:

• In-store application: Lowe’s promotes their credit card at checkout and at customer service desks, often with special financing offers on larger purchases. Many shoppers apply during a renovation project without fully thinking about the credit check that follows.
• Online application: Applying through the Lowe’s website generates the same Synchrony hard inquiry as an in-store application.
• Pro card application: Contractors and professionals who apply for the MyLowe’s Pro Rewards card also generate this entry.
• Unauthorized application: If someone used your personal information to apply for a Lowe’s card without your knowledge, the hard inquiry still appears on your credit report.

How SYNCB/Low Affects Your Credit Score

A single hard inquiry from Synchrony Bank causes a small dip in your credit score, typically just a few points. 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 fades within the first 12 months and becomes negligible well before the entry drops off your credit report.

How Long SYNCB/Low 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 Lowe’s 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/Low Entry

An unfamiliar SYNCB/Low entry on your credit report deserves attention. Here’s how to handle it:

• Contact Synchrony Bank directly: Ask them to confirm what product was applied for, when the inquiry was pulled, and whether an account was opened as a result. They can verify whether the application was connected to your personal information.
• 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: 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/Low inquiry, here is their contact information:

Phone: (800) 444-1408

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

Bottom Line

SYNCB/Low on your credit report is a Synchrony Bank hard inquiry tied to a Lowe’s credit card application. If you recognize the application, the entry is legitimate and will age off your credit report after two years without any action needed.

If you don’t recognize it, contact Synchrony Bank to find out what triggered it and dispute the entry with the credit bureaus if you can’t verify it was authorized. A home improvement store card inquiry might seem routine, but an unauthorized one always deserves a follow-up.