How to Remove SYNCB/TJX CO DC From Your Credit Report

SYNCB/TJX CO DC on your credit report is the code that appears when Synchrony Bank runs a hard inquiry for a TJX Rewards credit card application. SYNCB stands for Synchrony Bank, and TJX CO DC refers to The TJX Companies, the parent corporation behind T.J. Maxx, Marshalls, HomeGoods, Homesense, and Sierra.

If you’ve applied for a TJX Rewards card at any of those stores or online, this is the entry that follows.

What Is SYNCB/TJX CO DC on Your Credit Report?

SYNCB/TJX CO DC identifies a Synchrony Bank hard inquiry tied to a TJX Rewards credit card application. Synchrony Bank is the exclusive issuer of the TJX Rewards credit card program, which includes two products: the TJX Rewards Credit Card, a store card usable across all TJX retail brands, and the TJX Rewards Platinum Mastercard, which can be used anywhere Mastercard is accepted and earns points on purchases outside TJX stores as well.

Applications for either card generate the SYNCB/TJX CO DC hard inquiry on your credit report, regardless of whether you were approved or denied.

Why SYNCB/TJX CO DC Appears on Your Credit Report

This entry almost always traces back to a TJX Rewards credit card application. Common triggers include:

• In-store application: T.J. Maxx, Marshalls, HomeGoods, Homesense, and Sierra locations all promote the TJX Rewards card at checkout, often with a first-purchase discount or bonus rewards incentive. Many shoppers apply in the moment without fully considering the credit check that follows.
• Online application: Applying through any of TJX’s brand websites generates the same Synchrony hard inquiry as an in-store application.
• Upgrade application: Existing TJX Rewards Credit Card holders who apply to upgrade to the Platinum Mastercard also generate a hard inquiry.
• Unauthorized application: If someone used your personal information to apply for a TJX Rewards card without your knowledge, the hard inquiry still appears on your credit report.

How SYNCB/TJX CO DC Affects Your Credit Score

A single hard inquiry from Synchrony Bank causes a small dip in your credit score, typically just a few points. That’s not a meaningful concern on its own. The impact grows when multiple hard inquiries appear within a short period, which can signal to lenders that you’re actively seeking new credit.

The effect on your credit score fades within the first few months and becomes negligible well before the entry drops off your credit report.

How Long SYNCB/TJX CO DC Stays on Your Credit Report

Hard inquiries remain on your credit report for two years from the date they were pulled. All three major credit bureaus, Equifax, Experian, and TransUnion, display the entry during that window. Once the two years are up, it drops off automatically with no action required.

If your TJX Rewards card application was approved and an account was opened, that account also appears separately on your credit report as a tradeline, affecting your credit score based on payment history, credit utilization, and account age.

What to Do If You Don’t Recognize the SYNCB/TJX CO DC Entry

An unfamiliar SYNCB/TJX CO DC entry on your credit report is worth investigating. Here’s how to handle it:

• Contact Synchrony Bank directly: Ask them to confirm what product was applied for, when the inquiry was pulled, and whether an account was opened as a result. They can verify whether the application was connected to your personal information.
• Dispute with the credit bureaus: If Synchrony cannot verify that you authorized the inquiry, file a formal dispute with Equifax, Experian, and TransUnion. Include your personal details and a written explanation of why the entry should be removed from your credit report.
• Place a fraud alert or credit freeze: A fraud alert requires lenders to verify your identity before approving new applications. A credit freeze provides stronger protection by blocking new credit entirely until you lift it.

Synchrony Bank Contact Information

If you need to reach Synchrony Bank to ask about a SYNCB/TJX CO DC inquiry, here is their contact information:

Phone: (800) 952-6133

Mailing Address: Synchrony Bank, 170 Election Road, Suite 125, Draper, UT 84020

Bottom Line

SYNCB/TJX CO DC on your credit report is a Synchrony Bank hard inquiry tied to a TJX Rewards credit card application at T.J. Maxx, Marshalls, HomeGoods, Homesense, or Sierra. If you recognize the application, the entry is legitimate and will age off your credit report after two years without any action needed.

If you don’t recognize it, contact Synchrony Bank to find out what triggered it and dispute the entry with the credit bureaus if you can’t verify it was authorized.