What Is SYNCB/QVC on your credit report?
SYNCB/QVC represents Synchrony Bank/QVC and typically appears on your credit report when a hard inquiry has been made. This usually happens if you’ve applied for a QVC credit card, which is issued by Synchrony Bank. Seeing this code on your report indicates that Synchrony Bank reviewed your credit history as part of the application process.
Why SYNCB/QVC Shows Up on Your Credit Report
When you apply for a QVC credit card, Synchrony Bank conducts a credit check to evaluate your application. This process results in a hard inquiry, which is recorded on your credit report under the abbreviation SYNCB/QVC. Whether your application is approved or denied, the inquiry remains as a record of your credit activity.
How Long SYNCB/QVC Stays on Your Credit Report
A SYNCB/QVC hard inquiry can remain on your credit report for up to two years. During this time, it’s visible to lenders who review your credit history. The inquiry gradually loses its impact on your credit score over time but will remain on your report until it is automatically removed after 24 months.
What to Do If SYNCB/QVC Appears as an Unauthorized Inquiry
If you notice SYNCB/QVC on your credit report and don’t recall applying for a QVC credit card, it’s important to address the situation promptly. Start by contacting Synchrony Bank to verify the details of the inquiry. If the inquiry was unauthorized, you should file a dispute with the credit bureaus—Equifax, Experian, and TransUnion—to have it removed from your report.
Removing SYNCB/QVC Inquiries with Professional Assistance
If you believe a SYNCB/QVC inquiry was made in error or without your consent, you may want to seek help from a credit repair company. Credit Saint, for example, specializes in disputing and potentially removing unauthorized inquiries and other negative marks from your credit report. They can assist in clearing up inaccuracies and improving your credit standing.
Seeking Help to Improve Your Credit
If you’re struggling with bad credit and need assistance, consider a free credit consultation with Credit Saint. They have a proven track record of helping people in your situation improve their credit scores.
Visit their website and fill out the form to learn more about their services and how they can help you. By addressing the issues on your credit report, you can take steps towards a brighter financial future.
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