If SYNCB/Lowes shows up on your credit report, it means Synchrony Bank pulled your credit—usually after a Lowe’s credit card application. Here’s what it means, how it affects your credit score, and what you can do if the inquiry doesn’t belong there.
What SYNCB/Lowes Means on Your Credit Report
SYNCB/Lowes is the code used when Synchrony Bank runs a credit check for a Lowe’s credit card. This applies to both personal cards, like the Lowe’s Advantage Card, and business cards such as the Lowe’s Business Rewards or Lowe’s Accounts Receivable Card.
If you applied for any of these, the hard inquiry is recorded under SYNCB/Lowes.
Why SYNCB/Lowes Appears on Your Credit Report
This entry shows up because you submitted a credit application through Lowe’s, and Synchrony Bank processes the credit check. As part of the approval process, the bank pulls your credit report to assess your creditworthiness.
This results in a hard inquiry, which is logged by the major credit bureaus.
How SYNCB/Lowes Affects Your Credit Score
A hard inquiry from SYNCB/Lowes can lower your credit score by a few points. A single inquiry has minimal impact, but multiple inquiries within a short timeframe can be more damaging. Lenders may view it as a sign that you’re actively seeking credit, which could affect your ability to get approved elsewhere.
How Long SYNCB/Lowes Stays on Your Credit Report
Hard inquiries remain on your credit report for up to two years. Equifax, Experian, and TransUnion all record them. The effect on your score typically fades after 12 months, but the entry stays visible for the full 24 months.
What to Do if the SYNCB/Lowes Inquiry Wasn’t Authorized
If you didn’t apply for a Lowe’s credit card, take immediate steps to investigate:
- Contact Synchrony Bank to request details about the inquiry
- Dispute the entry with the credit bureaus if it wasn’t authorized
- Continue monitoring your credit for any other unusual activity
Even one unauthorized inquiry can be a sign of identity theft or an error.
Can You Remove SYNCB/Lowes From Your Credit Report?
If the inquiry was legitimate, it will stay on your report for two years. But if it was added in error or without your permission, you can dispute it. Many people handle this process on their own, while others choose to get help from professionals.
Credit Saint is a credit repair company that helps remove inaccurate or unauthorized items from credit reports, including:
- Hard inquiries
- Late payments
- Collections
- Charge-offs
- Foreclosures
- Repossessions
- Bankruptcies
Take Control of Your Credit
If hard inquiries or other negative marks are affecting your credit, working with a credit repair service can help you get back on track. Credit Saint offers free consultations and personalized support to help you understand your credit and take action.
They even offer a 90-day money-back guarantee, so you can move forward with confidence. To learn more, visit their website and explore how they can help you improve your credit.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
