How to Remove SYNCB/NTWK From Your Credit Report

Seeing SYNCB/NTWK 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 score, and what to do if you didn’t authorize it.

What Is SYNCB/NTWK on Your Credit Report?

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.

Synchrony partners with a wide range of retailers and service providers to offer in-store financing and store-branded credit cards, and this code can appear for any of those applications.

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 on your credit report.

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. That inquiry appears on your credit report as SYNCB/NTWK. Synchrony Bank partners with brands across many sectors, including:

• Healthcare: CareCredit for medical, dental, vision, and veterinary expenses.
• Automotive: Synchrony Car Care for auto repairs and maintenance.
• Home improvement and furniture: Synchrony HOME financing at participating retailers.
• Retail: Major partners include Lowe’s, Sam’s Club, Amazon, Dick’s Sporting Goods, and many others.

Even if your application was denied or the account was never opened, the hard inquiry still remains on your credit report.

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 credit score by a few points, but several inquiries close together can raise red flags. Lenders may see multiple recent inquiries as a sign that you’re taking on too much new credit at once, which could affect your ability to get approved elsewhere.

The impact is temporary. After about 12 months, most credit scoring models stop factoring the inquiry in, though it stays visible on your credit report for the full two years.

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. After 12 months, the effect on your credit score fades significantly, but the entry stays visible to lenders until it drops off automatically after 24 months.

What to Do If the SYNCB/NTWK Inquiry Wasn’t Authorized

If you don’t recognize the SYNCB/NTWK inquiry on your credit report, take these steps:

• Contact Synchrony Bank directly: Ask for details about the inquiry and confirm whether it was connected to your personal information. They can identify which partner or product generated it.
• Check for fraud or reporting errors: An unfamiliar inquiry could be a case of identity theft or a simple clerical mistake.
• Dispute with the credit bureaus: If the inquiry wasn’t authorized, file a formal dispute with Equifax, Experian, and TransUnion to have it removed from your credit report.
• Monitor your credit reports regularly: Keep checking all three credit bureaus to catch any new suspicious activity quickly.

Synchrony Bank Contact Information

If you need to reach Synchrony Bank to ask about a SYNCB/NTWK inquiry, here is their contact information:

Phone: (866) 419-4096

Mailing Address: Synchrony Bank, 170 Election Road, Suite 125, Draper, UT 84020

Bottom Line

SYNCB/NTWK on your credit report is a Synchrony Bank hard inquiry, most likely tied to a credit card or financing application through one of their many retail or healthcare partners. If you recognize what triggered it, the entry is legitimate and will age off your credit report after two years.

If you don’t recognize it, contact Synchrony Bank to identify which partner submitted the application, and dispute the entry with the credit bureaus if you can’t verify it was authorized. Staying on top of unfamiliar entries is one of the most effective ways to keep your credit score protected.