SYNCB/TJX CO DC may show up on your credit report if you’ve applied for a T.J. Maxx credit card issued by Synchrony Bank. This code represents a hard inquiry that occurs when Synchrony checks your credit as part of the application process. Even if you didn’t open the card, the inquiry might still be listed and could affect your credit score.
Here’s what it means—and how to get it removed if needed.
What SYNCB/TJX CO DC Means on Your Credit Report
When you apply for a T.J. Maxx credit card, Synchrony Bank pulls your credit to decide if you qualify. That check shows up as SYNCB/TJX CO DC on your credit report. The code signals to other lenders that you’ve recently applied for credit.
This happens whether your application is approved or denied.
How Hard Inquiries Like SYNCB/TJX CO DC Affect Your Score
Hard inquiries can reduce your credit score by a few points. A single inquiry doesn’t usually make a big impact, but several within a short time can be more damaging. That’s because lenders may view too many recent inquiries as a sign of financial stress or risk.
To protect your credit, avoid applying for multiple cards or loans in quick succession unless absolutely necessary.
How Long It Stays on Your Credit Report
The SYNCB/TJX CO DC inquiry will remain on your credit report for up to two years. During that time, it can be seen by lenders reviewing your credit history. While the impact on your score fades after a few months, the entry will stay visible until it drops off automatically after 24 months.
Keeping track of your inquiries is one of the simplest ways to maintain a healthy credit profile.
What to Do About Unauthorized Inquiries
If you didn’t apply for a T.J. Maxx card and don’t recognize this inquiry, it could be an error—or worse, a sign of identity theft. Here’s what to do:
- Contact Synchrony Bank: Ask them to verify the details of the inquiry.
- Dispute it with the credit bureaus: If it’s unauthorized, file a dispute with Equifax, Experian, and TransUnion to request its removal.
- Keep monitoring your credit: Watch for other unfamiliar activity and consider placing a fraud alert if you suspect identity theft.
Can SYNCB/TJX CO DC Be Removed From Your Credit Report?
Yes—if it was made in error or without your permission. You can dispute it directly with the credit bureaus, or you can work with a trusted credit repair company to help you through the process.
Credit Saint is one company that helps clients remove inaccurate or unauthorized entries like SYNCB/TJX CO DC. They also assist with:
- Late payments
- Collections
- Charge-offs
- Foreclosures
- Repossessions
- Bankruptcies
Take Charge of Your Credit Health
If negative items are dragging down your credit score, professional help could make a real difference. Credit Saint offers free consultations and has helped thousands of people clean up their credit reports.
They even offer a 90-day money-back guarantee, so there’s no risk in finding out how they can help. Visit their website to learn more and take the first step toward stronger credit.
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Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
