How to Remove SYNCB/ONDC From Your Credit Report

If SYNCB/ONDC is showing up on your credit report, it traces back to the Old Navy Discover Card, which was issued by Synchrony Bank before the program moved to Barclays Bank Delaware in June 2022. SYNCB stands for Synchrony Bank, and ONDC stands for Old Navy Discover Card.

Here’s the important context: any hard inquiry from this card would have dropped off your credit report by June 2024 at the latest, since hard inquiries only last two years. If you’re seeing SYNCB/ONDC today, it’s almost certainly appearing as an account tradeline, meaning an open or closed account from when Synchrony was still the issuer.

What Is SYNCB/ONDC on Your Credit Report?

SYNCB/ONDC is the Synchrony Bank code for the Old Navy Discover Card, a co-branded credit card that Synchrony issued in partnership with Old Navy for many years. The card program transferred to Barclays Bank Delaware in June 2022, and existing accounts moved over to Barclays at that time.

Any SYNCB/ONDC entry on your credit report today reflects account history from the Synchrony era, not a current product.

Why SYNCB/ONDC Might Still Be on Your Credit Report

Since hard inquiries from this period have already expired, the most likely reason SYNCB/ONDC is still showing up is one of the following:

• Closed account in good standing: If you had an Old Navy card through Synchrony that was in good standing when it closed or transferred, that account history can remain on your credit report for up to 10 years. Positive history like this can actually help your credit score by contributing to your credit history length.
• Account with negative history: If you had late payments, a charge-off, or other negative marks on the account, those can remain on your credit report for seven years from the date of the first missed payment. This type of entry can continue to affect your credit score until the seven-year window closes.
• Reporting error: Some accounts from transferred card programs are reported inaccurately during or after the transition. If something looks wrong, it’s worth disputing.

How SYNCB/ONDC Affects Your Credit Score

A closed account in good standing is generally neutral to positive for your credit score. It adds to your credit history length and reflects responsible credit use over time. A closed account with negative history, including late payments or a charge-off, can meaningfully lower your credit score and will continue to do so until the seven-year reporting window ends.

What to Do About a SYNCB/ONDC Entry on Your Credit Report

Your next step depends on the type of entry you’re dealing with:

• If it’s accurate and positive: Leave it alone. The account history is working in your favor and will eventually drop off on its own.
• If it’s accurate and negative: Accurate negative information cannot be removed before the seven-year window ends. Focus on building positive credit history elsewhere in the meantime.
• If it’s inaccurate: File a formal dispute with Equifax, Experian, and TransUnion. Include documentation supporting the correct information and a written explanation of what’s wrong. Credit bureaus are required to investigate and respond within 30 days.
• If you don’t recognize it: Contact Synchrony Bank to ask about the account history, and follow up with Barclays if the account transferred. If neither can verify the account belongs to you, dispute it with the credit bureaus immediately.

Contact Information

For questions about a SYNCB/ONDC account history with Synchrony Bank:

Synchrony Bank Phone: (866) 419-4096

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

For questions about the current Old Navy credit card issued by Barclays:

Barclays Phone: (888) 232-0780

Bottom Line

SYNCB/ONDC on your credit report is an account entry from when Synchrony Bank issued the Old Navy Discover Card, before the program moved to Barclays in June 2022. Hard inquiries from that era are long gone, so what you’re seeing is almost certainly account history, positive or negative, that remains on your credit report under the Synchrony name.

If the information is accurate, your options depend on whether it’s helping or hurting your credit score. If something looks wrong or you don’t recognize the account at all, dispute it with the credit bureaus and contact both Synchrony and Barclays to get clarity on what’s being reported.