Seeing SYNCB/NETWRK on your credit report can raise questions—especially if you don’t recognize it. This entry usually shows up after applying for a credit card or financing through one of Synchrony Bank’s retail partners. Here’s what it means, how it affects your credit, and what to do if it doesn’t belong there.
What SYNCB/NETWRK Means on a Credit Report
SYNCB/NETWRK is shorthand for Synchrony Bank. They issue credit cards for a wide range of retailers and service providers. If you applied for financing through one of Synchrony’s partners, such as CareCredit, Synchrony HOME, or a store-branded card, that’s likely the reason this showed up.
Even if you didn’t apply directly through Synchrony Bank, applying for a card from one of their retail partners can still result in this entry.
Why SYNCB/NETWRK Shows Up on Your Credit Report
SYNCB/NETWRK typically appears because you submitted a credit application that triggered a hard inquiry. Synchrony Bank partners with brands across many sectors, including:
- Healthcare (CareCredit)
- Automotive (Synchrony Car Care)
- Home improvement and furniture (Synchrony HOME)
- Retail stores like Lowe’s, Sam’s Club, and more
If you applied for any of these types of credit products, that’s what caused the SYNCB/NETWRK listing.
How SYNCB/NETWRK Inquiries Affect Your Credit Score
Hard inquiries like this one can lower your credit score by a few points. A single inquiry won’t do major damage, but if you have several within a short timeframe, lenders may see it as risky behavior. That can affect your ability to get approved for new credit.
The impact is temporary, but it’s still worth keeping track of—especially if you’re preparing to apply for a mortgage, car loan, or personal loan.
How Long SYNCB/NETWRK Stays on Your Credit Report
A SYNCB/NETWRK inquiry will remain on your credit report for up to two years. All three major credit bureaus—Equifax, Experian, and TransUnion—will record it. After 12 months, the effect on your credit score fades, but the inquiry stays visible to lenders until it drops off after 24 months.
What to Do if the SYNCB/NETWRK Inquiry Wasn’t Authorized
If you don’t remember applying for a credit card or account linked to Synchrony Bank, the inquiry could be a mistake—or worse, identity theft. Here’s what to do:
- Contact Synchrony Bank – Ask for details about the inquiry and confirm whether it was connected to your information.
- Dispute With the Credit Bureaus – If the inquiry wasn’t authorized, you can file a dispute with Equifax, Experian, and TransUnion to have it removed.
- Keep Monitoring Your Reports – Continue checking your credit reports to make sure no new suspicious activity appears.
Can You Remove SYNCB/NETWRK From Your Credit Report?
If the inquiry was legitimate, you can’t remove it early. But if it was unauthorized or listed in error, you do have options—and working with a professional can help.
Credit repair companies like Credit Saint can help you dispute inaccurate or unauthorized inquiries and other negative marks, including:
- Late payments
- Collections
- Charge-offs
- Foreclosures
- Repossessions
- Bankruptcies
Improve Your Credit With Expert Help
Tired of dealing with credit issues on your own? Credit Saint offers free consultations to help you understand your options. Whether it’s a mistaken inquiry or a bigger problem, they’ll work with you to build a personalized plan.
They even offer a 90-day money-back guarantee if you’re not satisfied with their service. To get started, Visit their website and fill out the form for your free consultation.
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