How to Remove SYNCB/PayPal From Your Credit Report

SYNCB/PayPal on your credit report is the code that appears when Synchrony Bank runs a hard inquiry for a PayPal Credit application. SYNCB stands for Synchrony Bank, and PayPal refers to their longstanding partnership with PayPal to issue consumer credit products. You may also see this entry listed as SYNCB/PPC, depending on which credit bureau is displaying it. Both refer to the same product.

If you’ve applied for PayPal Credit recently, this entry is expected. There’s also a new development worth knowing about: PayPal launched a physical PayPal Credit card in June 2025, issued by Synchrony, which can now be used in stores and anywhere Mastercard is accepted, not just online. If you applied for that new card, SYNCB/PayPal is what shows up on your credit report.

What Is SYNCB/PayPal on Your Credit Report?

SYNCB/PayPal identifies a Synchrony Bank hard inquiry tied to a PayPal Credit application. PayPal Credit is a revolving line of credit that lets you finance purchases and pay them off over time. It’s available when checking out through PayPal at major retailers including:

• Apple
• Best Buy
• Home Depot
• Hotels.com
• JetBlue Airways
• Overstock.com
• Target
• USPS
• Walgreens
• Walmart

Synchrony Bank has been the exclusive issuer of PayPal Credit in the United States since 2018, and that partnership extends through 2028.

Why SYNCB/PayPal Appears on Your Credit Report

When you apply for PayPal Credit, Synchrony Bank runs a hard inquiry to evaluate your application. That inquiry is recorded on your credit report regardless of whether you were approved or denied. Common situations that generate this entry include:

• Online PayPal Credit application: Applying for PayPal Credit during checkout or through the PayPal app generates a Synchrony hard inquiry.
• Physical PayPal Credit Card application: The new physical card launched in June 2025 also goes through Synchrony and generates the same inquiry.
• Unauthorized application: If someone used your personal information to apply for PayPal Credit without your knowledge, the hard inquiry still appears on your credit report.

How SYNCB/PayPal Affects Your Credit Score

A single hard inquiry from Synchrony Bank causes a small dip in your credit score, typically just a few points. That’s not a meaningful concern on its own. The impact grows when multiple hard inquiries appear within a short period, which can signal to lenders that you’re actively seeking new credit.

The effect on your credit score fades within the first 12 months and becomes negligible well before the entry drops off your credit report.

How Long SYNCB/PayPal Stays on Your Credit Report

Hard inquiries remain on your credit report for two years from the date they were pulled. All three major credit bureaus, Equifax, Experian, and TransUnion, display the entry during that window. Once the two years are up, it drops off automatically with no action required.

If your PayPal Credit application was approved and an account was opened, that account also appears separately on your credit report as a tradeline, affecting your credit score based on payment history, credit utilization, and account age.

What to Do If You Don’t Recognize the SYNCB/PayPal Entry

An unfamiliar PayPal Credit inquiry is worth taking seriously, since PayPal accounts are a frequent target for fraud. Here’s how to handle it:

• Contact Synchrony Bank directly: Ask them to confirm what product was applied for, when the inquiry was pulled, and whether an account was opened as a result.
• Check your PayPal account: Log in and review any recent credit applications or financing activity you don’t recognize.
• Dispute with the credit bureaus: If Synchrony cannot verify that you authorized the inquiry, file a formal dispute with Equifax, Experian, and TransUnion. Include your personal details and a written explanation of why the entry should be removed from your credit report.
• Place a fraud alert or credit freeze: A fraud alert requires lenders to verify your identity before approving new applications. A credit freeze provides stronger protection by blocking new credit entirely until you lift it.

Synchrony Bank Contact Information

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

Phone (PayPal Credit): (844) 373-4961

Phone (PayPal Credit Card): (844) 209-7457

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

Bottom Line

SYNCB/PayPal on your credit report is a Synchrony Bank hard inquiry tied to a PayPal Credit application, whether that’s for the digital credit line or the new physical PayPal Credit Card launched in 2025. If you recognize the application, the entry is legitimate and will age off your credit report after two years.

If you don’t recognize it, act quickly. Check your PayPal account, contact Synchrony Bank, and dispute the entry with the credit bureaus if you can’t verify it was authorized. PayPal-related fraud can move fast, and catching it early makes a meaningful difference in protecting your credit score.