Seeing SYNCB/QVC on your credit report can raise questions, especially if you don’t recognize it. Here’s exactly what it means, how it got there, and how to remove it if necessary.
What Is SYNCB/QVC on Your Credit Report?
SYNCB/QVC stands for Synchrony Bank/QVC. It typically shows up on your credit report when there’s been a hard inquiry from Synchrony Bank, which issues QVC credit cards. This happens if you’ve applied for a QVC credit card and they checked your credit history during the application process.
Why SYNCB/QVC Appears on Your Credit Report
When you apply for a QVC credit card, Synchrony Bank pulls your credit report to decide whether to approve your application. This creates a hard inquiry, which shows up under the name SYNCB/QVC. Even if your application gets denied, the inquiry stays on your credit report as a record of your credit activity.
How Long SYNCB/QVC Stays on Your Credit Report
A hard inquiry from SYNCB/QVC can stay on your credit report for up to two years. While it remains visible to lenders, it has the most impact on your credit score during the first few months. After that, the effect fades, but the inquiry itself stays put until it falls off automatically after 24 months.
What to Do If SYNCB/QVC Shows Up Without Your Permission
If you see SYNCB/QVC on your credit report but didn’t apply for a QVC credit card, act quickly:
- Contact Synchrony Bank: Verify the details of the inquiry. They can confirm whether someone applied using your information.
- Dispute the Inquiry: If the inquiry wasn’t authorized, file a dispute with the credit bureaus—Experian, Equifax, and TransUnion—to get it removed.
- Check for Other Fraud: An unfamiliar inquiry might be a sign of identity theft, so review your full credit report for any other suspicious activity.
Can You Remove SYNCB/QVC Inquiries With Professional Help?
If the inquiry is unauthorized or inaccurate, you don’t have to handle it alone. A reputable credit repair company can challenge questionable inquiries on your behalf.
Credit Saint is one option that helps people remove unauthorized hard inquiries, late payments, and other negative marks from their credit reports. They’ve built a strong reputation for helping people clean up their credit and improve their credit scores.
Need Help With Bad Credit?
If you’re dealing with credit problems and want expert help, consider a free credit consultation with Credit Saint. They even offer a 90-day money-back guarantee if you’re not satisfied with the service.
To get started, visit their website and fill out a short form. It’s a simple step toward improving your credit and protecting your financial future.
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