Seeing SYNCB/NTWK on your credit report? Here’s what it means, how it affects your credit score, and what to do if you didn’t authorize it.
What Is SYNCB/NTWK?
SYNCB/NTWK is a credit report code for Synchrony Bank Network. It typically shows up when you apply for a retail credit card issued by Synchrony Bank. This includes cards from major retailers that partner with Synchrony to offer in-store financing or loyalty cards.
Why SYNCB/NTWK Appears on Your Credit Report
When you apply for a credit card backed by Synchrony Bank, they run a hard inquiry to check your credit history. This process helps lenders evaluate whether you’re eligible for the card. The inquiry appears on your credit report as SYNCB/NTWK.
Even if your application was denied or the account was never opened, the hard inquiry still remains.
How SYNCB/NTWK Inquiries Affect Your Credit Score
Hard inquiries typically cause a small, temporary dip in your credit score. A single inquiry might only lower your score by a few points, but several inquiries close together can raise red flags. Lenders may see it as a sign that you’re taking on too much new credit at once.
To protect your credit score, limit how often you apply for new accounts.
How Long SYNCB/NTWK Stays on Your Credit Report
Hard inquiries from SYNCB/NTWK can stay on your credit report for up to two years. They’re tracked by all three major credit bureaus—Equifax, Experian, and TransUnion.
The good news is that their impact fades with time. Most scoring models stop factoring them in after about 12 months.
How to Handle Unauthorized SYNCB/NTWK Inquiries
If you don’t recognize the SYNCB/NTWK inquiry on your credit report, take these steps:
- Contact Synchrony Bank to confirm the source of the inquiry.
- Check for fraud or reporting errors—it could be a case of identity theft or a simple mix-up.
- File a dispute with Equifax, Experian, and TransUnion to have the inquiry removed.
- Monitor your credit reports regularly to catch any new activity quickly.
Synchrony Bank Contact Info:
Synchrony Bank
PO Box 965035
Orlando, FL 32896-5035
Phone: (877) 295-2080
Can SYNCB/NTWK Be Removed From Your Credit Report?
Yes—if the inquiry was unauthorized or reported in error, you can dispute it with the credit bureaus. You can file disputes yourself or get professional help.
Credit Saint is one of the top-rated credit repair services in the U.S. They specialize in helping people remove inaccurate hard inquiries and other damaging items like:
- Late payments
- Collections
- Charge-offs
- Repossessions
- Foreclosures
- Bankruptcies
Start Rebuilding Your Credit Today
If SYNCB/NTWK or other negative marks are holding your credit score back, Credit Saint could help. They’ve assisted thousands of people in restoring their credit—and they even offer a 90-day money-back guarantee if you don’t see results.
Visit their website now to see what they can do for your credit.
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