How to Remove SYNCB/Lowes From Your Credit Report

SYNCB/Lowes is one of two codes that can appear on your credit report after a Lowe’s credit card application. You might see this version, or you might see SYNCB/Low, depending on which credit bureau is displaying the entry. Both point to the same thing: Synchrony Bank running a hard inquiry when someone applied for a Lowe’s credit card.

If you’ve recently made a large home improvement purchase and applied for financing at Lowe’s, this entry is exactly what you’d expect. If you don’t recognize it, here’s what you need to know.

What Is SYNCB/Lowes on Your Credit Report?

SYNCB/Lowes is the credit bureau code that identifies a Synchrony Bank hard inquiry tied to a Lowe’s credit card application. Synchrony Bank is the issuing bank behind Lowe’s consumer and professional credit products, and when you apply for any of them, the credit check shows up on your credit report under this code.

The entry appears whether you were approved, denied, or never finished the application process.

Why SYNCB/Lowes Appears on Your Credit Report

A Lowe’s credit card application is the most common reason this entry shows up. The situations that typically generate it include:

• In-store application: Lowe’s promotes their credit card heavily, particularly to customers making large purchases on appliances, flooring, or renovation materials. Applying at the register or customer service desk generates a hard inquiry recorded as SYNCB/Lowes.
• Online or app application: Applying through lowes.com or the Lowe’s mobile app generates the same Synchrony hard inquiry as applying in person.
• Special financing offer: Lowe’s frequently runs promotional financing offers on purchases above certain dollar amounts. Customers who apply to take advantage of those offers generate this entry even if they didn’t intend to open a long-term credit account.
• 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/Lowes 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 compounds when multiple hard inquiries appear within a short period, which can signal to lenders that you’re actively seeking credit and affect future approval decisions.

The effect on your credit score fades significantly within the first 12 months and becomes negligible well before the entry drops off your credit report entirely.

How Long SYNCB/Lowes 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/Lowes Entry

An unfamiliar SYNCB/Lowes entry deserves prompt 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. 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/Lowes 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/Lowes on your credit report is a Synchrony Bank hard inquiry tied to a Lowe’s credit card application. It’s one of two codes Synchrony uses for Lowe’s, alongside SYNCB/Low, and both mean the same thing.

If you recognize the application, the entry is legitimate and will age off your credit report after two years. If you don’t, 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.