What is SYNCB/SMRTCN?
SYNCB/SMRTCN is a credit report code that stands for Synchrony Bank/PayPal Smart Connection.
SYNCB/SMRTCN may be on your credit report as a hard inquiry. This usually happens when you apply for a PayPal Smart Connection account issued by Synchrony Bank.
SYNCB/SMRTCN Hard Inquiries
Hard inquiries on your credit report will typically only drop your credit score by a few points. However, if you have too many, especially in a short period of time, they can really start to add up and do some damage.
How long do hard inquiries stay on your credit report?
Hard inquiries can remain on your credit report for up to two years. Each time an inquiry is made, it is recorded by one or all of the three major credit reporting agencies – Equifax, Experian, and TransUnion.
Can SYNCB/SMRTCN be removed from my credit report?
Lexington Law specializes in removing inquiries and other negative marks on your credit report. They have over 18 years of experience and have removed over 7 million negative items for their clients in 2020 alone.
They can also help you dispute (and possibly remove) the following items:
- late payments
- charge offs
Get Your Inquiries Removed Today!
If you’re looking for a reputable company to help you repair your credit, we highly recommend Lexington Law.
Call them at (800) 220-0084 for a free credit consultation. Paralegals are standing by waiting to take your call.