Seeing SYNCB/ONDC on your credit report? This code shows up when Synchrony Bank checks your credit as part of an Old Navy Discover credit card application. Even if you didn’t open the card or were denied, the inquiry may still be listed and can affect your credit score.
Here’s what it means—and how to remove it if it doesn’t belong.
What SYNCB/ONDC Means on Your Credit Report
SYNCB/ONDC stands for Synchrony Bank/Old Navy Discover Card. When you apply for this card, Synchrony Bank performs a hard inquiry to review your credit history. That inquiry is logged by one or more of the major credit bureaus: Equifax, Experian, and TransUnion.
This entry shows other lenders that you recently applied for credit—even if the account wasn’t opened.
How Hard Inquiries Like SYNCB/ONDC Affect Your Credit
Hard inquiries can drop your credit score by a few points. A single inquiry isn’t a big deal, but several in a short time may raise concerns for lenders. It can suggest that you’re actively seeking credit, which might be seen as a risk factor.
To avoid unnecessary drops in your score, try to space out credit applications and only apply when you truly need to.
How Long SYNCB/ONDC Stays on Your Credit Report
A SYNCB/ONDC hard inquiry can remain on your credit report for up to two years. The impact on your score tends to fade after the first few months, but the record will still be visible to lenders until it falls off automatically after 24 months.
Keeping track of when inquiries appear—and when they’re scheduled to fall off—can help you manage your credit more effectively.
What to Do About Unauthorized SYNCB/ONDC Inquiries
If you don’t remember applying for an Old Navy credit card, the inquiry may have been made without your knowledge. Here’s how to handle it:
- Contact Synchrony Bank: Ask for details about the inquiry to determine if it was legitimate or made in error.
- Dispute it with the credit bureaus: If the inquiry wasn’t authorized, file a dispute with Equifax, Experian, and TransUnion to request its removal.
- Monitor your credit reports: Staying on top of your credit can help you catch suspicious activity early and prevent further issues.
Can SYNCB/ONDC Be Removed From Your Credit Report?
Yes—if it was made without your consent or recorded in error. You can dispute it directly with the credit bureaus, or you can work with a credit repair company that handles these issues on your behalf.
Credit Saint is one company that helps consumers remove inaccurate or unauthorized credit report entries. They also assist with:
- Late payments
- Collections
- Charge-offs
- Foreclosures
- Repossessions
- Bankruptcies
Start Improving Your Credit Today
If negative items like SYNCB/ONDC are hurting your credit score, it may be time to take action. Credit Saint offers free consultations and can help you understand your options for cleaning up your credit.
They even offer a 90-day money-back guarantee, so you can move forward with confidence. Visit their website to learn more and see how they can support your credit goals.
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