Seeing SYNCB/PPMC on your credit report can raise questions—especially if you don’t remember applying for anything. Here’s what it means, why it shows up, and how to get it removed if needed.
What SYNCB/PPMC Means on Your Credit Report
SYNCB/PPMC stands for Synchrony Bank/PayPal Mastercard. Synchrony Bank is the issuer behind the PayPal Mastercard, which offers cash back and other rewards for PayPal users.
If this entry is on your credit report, it usually means you applied for that credit card—or someone else may have.
Why SYNCB/PPMC Might Show Up
SYNCB/PPMC appears on your credit report because Synchrony Bank ran a hard inquiry when you applied for the PayPal Mastercard. This is a standard part of the credit approval process.
Even if your application wasn’t approved—or you changed your mind—the hard inquiry still shows up.
How Hard Inquiries Affect Your Credit Score
A hard inquiry can lower your credit score by a few points. The impact is usually minor, but it can add up if you’ve applied for several credit accounts within a short time.
Lenders view multiple recent inquiries as a sign you might be taking on too much debt.
How Long SYNCB/PPMC Stays on Your Credit Report
A hard inquiry from SYNCB/PPMC stays on your credit report for up to two years. It may show up on one, two, or all three of the major credit reports from Experian, Equifax, and TransUnion.
The good news is that the impact on your credit score fades over time.
What If You Didn’t Authorize the Inquiry?
If you didn’t apply for a PayPal Mastercard, the inquiry may be fraudulent. In that case, take these steps:
- Contact Synchrony Bank and ask for details about the inquiry.
- File a dispute with the credit bureau that’s reporting it.
Be direct and clear in your communication. If the inquiry was unauthorized, you can request that it be removed.
Contact Information for Synchrony Bank
Need to reach out about the SYNCB/PPMC inquiry? Here’s how to contact them:
Synchrony Bank
Phone: 1-866-419-4096
Website: https://www.synchrony.com/
Can a Legitimate Inquiry Be Removed?
If you did apply for the card, the inquiry is considered valid—even if you didn’t get approved. In most cases, it will stay on your credit report until it ages off.
That said, if there was an error or you believe your consent wasn’t properly given, you may still try disputing it.
Struggling With More Than Just a Hard Inquiry?
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