How to Remove SYNCB/ONDC From Your Credit Report

SYNCB/ONDC is an older account name tied to Old Navy and Synchrony Bank. Synchrony Bank issued Old Navy credit cards before Barclays Bank Delaware took over the program in 2022.

Because Synchrony Bank no longer accepts new Old Navy card applications, a current SYNCB/ONDC entry is probably not a recent hard inquiry. It is more likely an open or closed account from the period when Synchrony Bank managed the card.

You may be able to remove or correct the entry if the account is not yours, the balance or payment history is wrong, the same debt appears twice, or the information has remained on your credit report too long.

What Is SYNCB/ONDC on Your Credit Report?

SYNCB stands for Synchrony Bank. ONDC is a legacy code associated with an Old Navy credit card.

When the Old Navy credit card program moved to Barclays, existing account history did not disappear. Synchrony Bank may still appear on your credit report because it managed the account before the transfer.

You may also see a separate Barclays Old Navy account. That does not always mean the debt is duplicated. One entry may cover the Synchrony Bank period, while the other covers the Barclays period.

Is SYNCB/ONDC a Hard Inquiry or an Account?

Check where SYNCB/ONDC appears on your credit report.

A hard inquiry appears in the credit inquiry section. It shows that a creditor checked your credit after an application. Hard inquiries generally remain for up to two years.

An account entry appears with your credit accounts. It may list the opening date, balance, payment history, credit limit, account status, and closing date.

Since Synchrony Bank stopped issuing Old Navy cards in 2022, any related hard inquiry should have disappeared by 2024. An SYNCB/ONDC entry that remains in 2026 is more likely account history.

That difference matters. A hard inquiry dispute will not fix an incorrect balance, late payment, or account status.

Why SYNCB/ONDC May Still Appear

The account may remain for several reasons:

• Transferred account: Your Old Navy card moved from Synchrony Bank to Barclays.
• Closed account: Synchrony Bank closed its version of the account during the transition.
• Positive history: The account was paid as agreed and remains part of your credit history.
• Negative history: The entry includes late payments, a charge-off, or an unpaid balance.
• Duplicate reporting: Synchrony Bank and Barclays report the same balance or overlapping history.
• Reporting error: The status, balance, ownership, or dates are wrong.
• Identity theft: Someone opened the account with your personal information.

The presence of both Synchrony Bank and Barclays does not prove an error. Compare the balances, dates, and remarks before you dispute either entry.

Can You Remove SYNCB/ONDC From Your Credit Report?

You can dispute information that is inaccurate, incomplete, duplicated, outdated, or unrelated to you.

You may have grounds for removal or correction when:

• The account was never yours.
• The same balance appears under both Synchrony Bank and Barclays.
• The credit report shows late payments that did not happen.
• The reported balance is wrong.
• The account is listed as open after it was transferred or closed.
• The opening date, closing date, or account status is incorrect.
• Negative information remains beyond the allowed reporting period.
• The account resulted from identity theft.

You usually cannot remove accurate information simply because it hurts your credit score. A closed account in good standing may help your credit history, so its removal may not benefit you.

How to Review the SYNCB/ONDC Entry

Get copies of your Equifax, Experian, and TransUnion credit reports. The account may appear differently on each one.

Review these details:

• Ownership: Check whether the account is individual, joint, or authorized user.
• Opening date: Compare it with when you first opened the Old Navy card.
• Status: Look for open, closed, transferred, paid, delinquent, or charged off.
• Balance: Confirm that the amount is correct.
• Payment history: Check for late payments you do not recognize.
• Last activity date: Compare it with your statements and payment records.
• Remarks: Look for notes about the transfer or account closure.

Compare the Synchrony Bank entry with any Barclays Old Navy account. The dates should follow a logical order. The same balance should not appear under both issuers unless the credit reporting clearly explains the transition.

Collect statements, payment confirmations, transfer notices, and Barclays records before you file a dispute.

How to Dispute an Inaccurate SYNCB/ONDC Account

File a dispute with every credit bureau that reports the wrong information. Identify the specific error instead of asking for the entire account to be deleted without an explanation.

Include:

• Personal information: Provide the documents required to confirm your identity.
• Account details: List SYNCB/ONDC and the partial account number.
• Specific error: Explain which date, balance, status, or payment is wrong.
• Correct information: State what the entry should show.
• Supporting documents: Add statements, payment records, letters, or transfer notices.
• Requested action: Ask for correction or removal of the inaccurate information.

Mark the disputed entry on a copy of your credit report. Keep copies of every document you send.

Credit bureau investigations commonly take about 30 days, although some may take longer.

Contact Synchrony Bank About the Account

You should also contact Synchrony Bank because it supplied the original account information.

Ask Synchrony Bank to confirm:

• Whether it opened the account in your name
• The original opening date
• The balance when the account transferred or closed
• Any late payments or charge-off history
• The date it last reported the account
• Whether the account number changed during the transfer

Call before you mail documents. Ask for the current address that handles direct credit reporting disputes.

Send copies of your evidence rather than original records. Keep proof of delivery.

Contact Barclays When the Account Transferred

Contact Barclays when the problem involves activity after the 2022 transfer.

Barclays may be able to confirm when it took over the account, what balance transferred, and whether the account number changed.

Contact Barclays when:

• The same balance appears under both issuers.
• Payment history overlaps.
• A Synchrony Bank account shows activity after Barclays took over.
• The Barclays opening date appears wrong.
• You do not recognize the current Old Navy account.

A transfer should not make it appear that you owe the same debt twice.

What to Do If SYNCB/ONDC Is Not Your Account

An unfamiliar account may point to identity theft.

Ask Synchrony Bank whether the account was opened with your name, Social Security number, address, or other personal information. Review all three credit reports for other unknown accounts, addresses, names, and inquiries.

Dispute the Synchrony Bank and Barclays entries separately if both appear. Deletion of one entry does not automatically remove the other.

You can also place a fraud alert or credit freeze:

• Fraud alert: Tells creditors to take extra steps to confirm your identity.
• Credit freeze: Restricts access to your credit files until you lift it.

Keep records of every call, letter, dispute, and confirmation number.

How Long SYNCB/ONDC Can Stay on Your Credit Report

A closed account in good standing may remain on your credit report for up to 10 years. That history can help because it preserves older account information and on-time payments.

Late payments generally remain for seven years from the date of the missed payment. A charge-off can remain for about seven years from the original delinquency that led to it.

The account is not automatically outdated because Synchrony Bank no longer issues Old Navy cards. It can remain as long as the information is accurate and falls within the allowed reporting period.

How SYNCB/ONDC May Affect Your Credit Score

The effect depends on what the account reports.

A closed account in good standing may help your credit history. Late payments, charge-offs, and unpaid balances can lower your credit score.

A duplicate balance can also make your total debt or credit utilization look higher than it should. Dispute any overlap between Synchrony Bank and Barclays when both entries report the same debt.

Synchrony Bank and Barclays Contact Information

Contact Synchrony Bank when the issue concerns account history from before the 2022 transfer. Ask for the correct department and mailing address for credit reporting disputes.

Barclays currently handles Old Navy credit card accounts:

Phone: 888-232-0780

Contact Barclays when the issue involves balances, payment history, or account activity after the transfer.

Bottom Line

SYNCB/ONDC is usually an older Old Navy credit card account from the period when Synchrony Bank issued the card. Barclays Bank Delaware now manages the program, but older Synchrony Bank history may remain on your credit report.

Dispute the entry when the account is not yours, the balance or payment history is wrong, the same debt appears twice, or the information has remained too long. Contact both Synchrony Bank and Barclays when the problem involves the issuer transfer.