If you see SYNCB/Sams on your credit report, it’s likely tied to a credit application with Sam’s Club. This code reflects a hard inquiry or account from Synchrony Bank, which issues Sam’s Club credit cards. Whether the entry is legitimate or not, knowing how it affects your credit—and how to remove it if needed—can help you take control of your financial health.
What SYNCB/Sams Means on Your Credit Report
SYNCB/Sams appears when Synchrony Bank runs a credit check for a Sam’s Club credit card application. Synchrony is the financial partner behind several major retail cards, and they report credit activity to the three major credit bureaus: Equifax, Experian, and TransUnion.
If you applied for a Sam’s Club Mastercard or store card, SYNCB/Sams will likely show up as a hard inquiry—or even as an open account, depending on the outcome.
Why SYNCB/Sams Appears as a Hard Inquiry
Most commonly, SYNCB/Sams shows up on your credit report after a credit card application. When you apply, Synchrony Bank pulls your credit to evaluate your eligibility. This is known as a hard inquiry.
Hard inquiries are standard during credit applications, but they do temporarily affect your credit score.
How SYNCB/Sams Inquiries Affect Your Credit Score
A single hard inquiry from SYNCB/Sams may cause a small drop in your credit score—usually just a few points. However, multiple hard inquiries in a short period can add up and raise red flags for lenders. They may assume you’re taking on more debt than you can handle.
To protect your credit, it’s smart to space out credit applications and monitor your credit report regularly.
How Long SYNCB/Sams Stays on Your Credit Report
Hard inquiries from SYNCB/Sams stay on your credit report for up to two years. The impact on your credit score fades after a few months, but the record remains visible to lenders until it naturally drops off.
This is why it’s important to make sure every inquiry listed is accurate and authorized.
What to Do If You Don’t Recognize a SYNCB/Sams Inquiry
If you don’t remember applying for a Sam’s Club credit card, the SYNCB/Sams inquiry could be an error—or even a sign of identity theft.
Here’s what to do:
- Contact Synchrony Bank: Ask for details about the inquiry to confirm whether your information was used.
- Dispute the inquiry: If it was unauthorized, file a dispute with Equifax, Experian, and TransUnion.
- Place a fraud alert: If you suspect someone used your identity, consider placing a fraud alert or freezing your credit to prevent future misuse.
Can SYNCB/Sams Be Removed From Your Credit Report?
If the inquiry is accurate, it must stay on your report for the full two years. But if it was made in error or without your permission, you have the right to dispute it under the Fair Credit Reporting Act (FCRA).
You can handle the dispute process yourself or work with a credit repair company that does the heavy lifting for you. Credit Saint is one of the top-rated firms in this space, with experience removing hard inquiries, late payments, collections, and other negative marks.
Start Taking Control of Your Credit
Inaccurate inquiries like SYNCB/Sams can hurt your credit, but they don’t have to stay there. If you’re ready to clean up your credit report, Credit Saint may be able to help.
Their 90-day money-back guarantee shows how confident they are in their service.
Visit their website to learn more and take the first step toward improving your credit.
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