Seeing SYNCB/TOYSDC on your credit report usually means you applied for a Toys “R” Us credit card issued by Synchrony Bank. This entry shows up as a hard inquiry, which happens when a lender checks your credit during the application process.
Even if you didn’t get approved, the inquiry remains on your credit report—and it could impact your credit score.
What SYNCB/TOYSDC Means on Your Credit Report
SYNCB/TOYSDC is the code used by credit bureaus when Synchrony Bank reviews your credit for a Toys “R” Us credit card. You might also see it listed as SYNCB/TYDC. Either way, it points to a credit check done during your application for that retail card.
This type of inquiry is standard whenever you apply for new credit, and it shows other lenders that you’ve recently tried to open a credit account.
How Hard Inquiries Like SYNCB/TOYSDC Affect Your Score
A hard inquiry from SYNCB/TOYSDC can lower your credit score by a few points. On its own, the impact is small—but if you have several inquiries in a short time, lenders may see it as a red flag. That can hurt your chances of getting approved for future credit or loans.
To protect your score, only apply for new credit when necessary—especially before big financial decisions like a mortgage or car loan.
How Long It Stays on Your Credit Report
SYNCB/TOYSDC stays on your credit report for up to two years. During that time, lenders can see the inquiry when reviewing your credit history. The effect on your score fades over time, and the inquiry will automatically drop off after 24 months.
Keeping track of these entries helps you manage your credit more effectively and avoid surprises when applying for credit.
How to Handle Unauthorized SYNCB/TOYSDC Inquiries
If you spot SYNCB/TOYSDC on your credit report and didn’t apply for a Toys “R” Us credit card, you need to act fast. It could be a reporting error or even identity theft. Here’s what to do:
- Call Synchrony Bank: Ask them to explain the inquiry. They can confirm whether it was made in connection with an actual application.
- Dispute the entry with the credit bureaus: If it was unauthorized or made in error, contact Equifax, Experian, and TransUnion to request removal.
- Monitor your credit: Ongoing credit monitoring helps catch unauthorized activity early. You’re entitled to a free report each year from all three credit bureaus.
Can SYNCB/TOYSDC Be Removed From Your Credit Report?
Yes—if it wasn’t authorized or was recorded by mistake. You have the right to dispute the entry and request removal. You can handle the process on your own, or you can get help from a professional credit repair company.
Credit Saint is a trusted company that helps people remove inaccurate or unauthorized items from their credit reports, including:
- Late payments
- Collections
- Charge-offs
- Foreclosures
- Repossessions
- Bankruptcies
Get Help Fixing Your Credit
If you’re dealing with poor credit and want expert help removing inquiries or other negative items, Credit Saint offers free consultations. They’ve helped many people clean up their credit and rebuild their financial standing.
They even offer a 90-day money-back guarantee, so there’s no risk in seeing what they can do for you. Visit their website to get started today.
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