Seeing “SYNCB/Old Navy” pop up on your credit report and not sure why? It’s likely tied to an Old Navy credit card issued by Synchrony Bank. Whether the inquiry was authorized or not, here’s how it affects your credit—and what you can do about it.
What SYNCB/Old Navy Means on Your Credit Report
SYNCB stands for Synchrony Bank, which issues store credit cards for retailers like Old Navy. If you’ve applied for an Old Navy credit card, you’ll probably see SYNCB/Old Navy or Old Navy Visa/SYNCB listed on your credit report. This entry typically appears as a hard inquiry.
Why It Shows Up in the First Place
When you apply for a credit card—Old Navy’s included—the lender checks your credit file. This triggers a hard inquiry, which is logged by all three major credit bureaus: Equifax, Experian, and TransUnion. That’s what shows up on your credit report.
How Hard Inquiries Like SYNCB/Old Navy Affect Your Credit Score
A single hard inquiry usually lowers your credit score by just a few points. The effect is temporary and fades over time. But if you apply for several credit accounts in a short period, those inquiries can add up and hurt your chances with future lenders.
How Long SYNCB/Old Navy Inquiries Stay on Your Credit Report
Hard inquiries stay on your credit report for up to two years. The good news is their impact fades long before that. Most scoring models stop factoring them into your credit score after about 12 months. Still, lenders can see them, so it’s worth keeping track.
What to Do If the Inquiry Wasn’t Yours
If you didn’t apply for an Old Navy credit card, the SYNCB/Old Navy entry could be a mistake or even identity theft. Here’s what to do:
- Contact Synchrony Bank: Ask for details about the application and confirm whether it was legitimate.
- Dispute the inquiry: If it wasn’t authorized, file a dispute with all three credit bureaus to get it removed.
- Monitor your credit: Look for other suspicious activity in case there’s a broader issue.
How to Remove SYNCB/Old Navy From Your Credit Report
You can dispute unauthorized inquiries on your own, but if the process feels overwhelming, it might be worth getting expert help. A reputable credit repair company like Credit Saint can work on your behalf to challenge inaccurate items—including unauthorized hard inquiries, collections, charge-offs, and more.
They even offer a 90-day money-back guarantee, so there’s no risk in getting started. Visit their website to learn more.
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