SYNCB/Lowes may appear on your credit report after Synchrony Bank reviews an application for a Lowe’s credit card or business financing product. The same inquiry may appear as SYNCB/Low on another credit report because each credit bureau can format creditor names differently.
You can usually remove SYNCB/Lowes only when the inquiry is unauthorized, duplicated, or inaccurate. A legitimate credit check will normally remain until the credit bureau removes it under its standard schedule.
What Does SYNCB/Lowes Mean on Your Credit Report?
SYNCB stands for Synchrony Bank, and Lowes refers to Lowe’s. Synchrony Bank issues the MyLowe’s Rewards Credit Card and several Lowe’s credit products for professional customers. Synchrony also became the issuer of the MyLowe’s Pro Rewards American Express Card in April 2026.
A full credit application gives Synchrony Bank permission to review a credit report. The entry may appear as SYNCB/Lowes, SYNCB/Low, Lowes/SYNCB, or a similar abbreviation.
The inquiry can appear even when Synchrony Bank denies the application. If Synchrony Bank approves the request, the new account may appear separately in the account section of your credit report.
Which Lowe’s Applications Can Cause the Inquiry?
The code does not always identify the exact Lowe’s product. The application date and whether the purchase was personal or business-related can help narrow it down.
Possible sources include:
- Consumer credit card: You applied for the MyLowe’s Rewards Credit Card for personal purchases.
- Professional credit card: You applied for a MyLowe’s Pro Rewards credit product for business expenses.
- American Express application: You applied for the MyLowe’s Pro Rewards American Express Card.
- In-store financing: You requested credit at checkout or a customer service desk.
- Online application: You submitted a form through Lowes.com or a Synchrony page.
- Unauthorized request: Someone applied with your personal information.
Joining MyLowe’s Rewards or MyLowe’s Pro Rewards by itself does not mean you applied for credit. Lowe’s states that customers can join its professional rewards program without opening a Lowe’s credit card.
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Why SYNCB/Lowes May Look Unfamiliar
Many customers remember the project or financing offer but not Synchrony Bank. Lowe’s may display its own branding more prominently during the application.
The entry may also be unfamiliar for one of these reasons:
- Different code: Another credit bureau lists the same inquiry as SYNCB/Low.
- Denied application: No account was opened, but the credit check remains.
- Forgotten request: You applied during a large purchase and later forgot.
- Duplicate reporting: One application appears twice.
- Mixed credit file: The inquiry belongs to another consumer.
- Identity theft: Someone used your information without permission.
Can You Remove SYNCB/Lowes From Your Credit Report?
You may dispute SYNCB/Lowes when the inquiry is inaccurate or you did not authorize it. A valid inquiry usually cannot be removed because you decided against the purchase, returned the merchandise, received a denial, or closed the account.
Removal may be justified in several situations:
- No application: You never requested a Lowe’s credit product.
- No authorization: You did not permit a contractor, employee, spouse, or other person to apply.
- Duplicate inquiry: One application caused the same inquiry to appear twice on one credit report.
- Incorrect details: The inquiry date or creditor information is wrong.
- Wrong consumer: The credit bureau placed another person’s inquiry in your credit file.
- Identity theft: Someone submitted an application in your name.
A lender’s review after a credit application is generally a hard inquiry. Reviews connected to an existing account or prescreened offer are usually soft inquiries.
Check the Inquiry Before You Dispute It
Start with copies of your Equifax, Experian, and TransUnion credit reports. The inquiry may appear on one credit report and not the others.
Record the following details from each credit report:
- Creditor label: Copy the name exactly as shown.
- Inquiry date: Compare it with Lowe’s purchases and project dates.
- Credit bureau: Note where the entry appears.
- Contact information: Save any telephone number or address.
- Related account: Check for a Lowe’s or Synchrony account you do not recognize.
Contact Synchrony Bank About SYNCB/Lowes
Synchrony lists 800-444-1408 for Lowe’s credit card support. Call and ask the representative to identify the application that caused the inquiry.
Request specific information:
- Product name: Which Lowe’s credit product was involved?
- Application source: Did the request come from a store, website, or business application?
- Application date: When did Synchrony Bank receive it?
- Applicant details: What address, email address, and telephone number were used?
- Credit decision: Was the application approved or denied?
- Account status: Did Synchrony Bank open an account?
- Credit bureau: Which credit bureau did Synchrony Bank access?
- Authorization record: What evidence connects you to the application?
Ask for a case number. Request the current department and mailing address for unauthorized applications or credit reporting disputes. A payment address may not accept dispute documents.
How to Dispute an Unauthorized SYNCB/Lowes Inquiry
Contact every credit bureau that reports the incorrect inquiry. You should also send a direct dispute to Synchrony Bank.
Include:
- Identity documents: Follow the credit bureau’s requirements.
- Credit report copy: Mark the SYNCB/Lowes inquiry.
- Inquiry information: Provide the exact creditor label and date.
- Dispute statement: Explain that you did not submit or authorize the application.
- Supporting records: Add Synchrony Bank correspondence, receipts, or identity theft documents.
- Requested correction: Ask the credit bureau to remove the unauthorized or inaccurate inquiry.
Credit bureaus generally have 30 days to investigate a dispute. Some investigations may take up to 45 days. Keep copies of every submission and delivery record.
Federal law gives you the right to dispute inaccurate or incomplete credit report information. The credit bureau must investigate a valid dispute, although it may reject one that it reasonably considers frivolous.
Review the Dispute Results
Read the credit bureau’s response and check the updated credit report. Confirm whether SYNCB/Lowes was removed, corrected, or verified.
If the inquiry remains, ask Synchrony Bank what evidence supported the decision. A second dispute should include new evidence or identify a clear problem with the first investigation.
What to Do if Synchrony Opened a Lowe’s Account
An unauthorized inquiry may lead to an unauthorized account. Removing the inquiry does not close the account or erase its payment history.
Ask Synchrony Bank whether a card was issued or a purchase was financed. Report the account as fraudulent when you did not open it.
Dispute the account separately with Synchrony Bank and each credit bureau that reports it. Identify any false balance, payment history, address, or account status.
How Long SYNCB/Lowes 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 can remain after a denial, returned purchase, canceled project, or closed account. Those events do not make the original credit check inaccurate.
SYNCB/Lowes does not have to appear on all three credit reports. It appears only on the credit report or credit reports that Synchrony Bank accessed.
How SYNCB/Lowes May Affect Your Credit Score
A hard inquiry may affect your credit score, but no fixed point loss applies to every consumer. The result depends on the credit scoring model and the rest of your credit history.
Several recent credit applications may matter more than one inquiry.
Payment history, credit utilization, balances, and serious negative information usually carry more weight than one hard inquiry. Checking your own credit report does not lower your credit score.
Synchrony Bank Lowe’s Contact Information
Use this number for Lowe’s credit card support:
Phone: 800-444-1408
Call before you send a written dispute. Ask for the current mailing address assigned to unauthorized applications or credit reporting disputes.
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Bottom Line
SYNCB/Lowes usually means Synchrony Bank reviewed your credit after a Lowe’s consumer or professional credit application. The same inquiry may appear as SYNCB/Low on another credit report.
Match the inquiry date with your Lowe’s purchases, project financing, and business credit records. Contact Synchrony Bank and ask which product caused the entry.
Dispute SYNCB/Lowes with Synchrony Bank and every credit bureau that reports it when the application was unauthorized, duplicated, or inaccurate. Check for a related Lowe’s account because inquiry removal will not resolve a separate fraudulent account.
Rachel Myers is a personal finance writer who believes financial freedom should be practical, not overwhelming. She shares real-life tips on budgeting, credit, debt, and saving, without the jargon. With a background in financial coaching and a passion for helping people get ahead, Rachel makes money management feel doable, no matter where you’re starting from.