What is SYNCB/TYDC?
If “SYNCB/TYDC” appears on your credit report, it’s likely tied to a Toys R Us credit card application issued by Synchrony Bank. Here’s what that code means, how it affects your credit, and what to do if the inquiry wasn’t authorized.
What Is SYNCB/TYDC?
SYNCB/TYDC stands for Synchrony Bank/Toys R Us DC. This credit report code appears when someone applies for a Toys R Us credit card backed by Synchrony Bank. While the card is no longer actively offered, older inquiries may still show up on your report.
These cards were designed for Toys R Us customers and included promotional financing and rewards.
Why SYNCB/TYDC Appears on Your Credit Report
If you applied for a Toys R Us credit card, Synchrony Bank likely performed a hard inquiry to assess your creditworthiness. That inquiry shows up on your report as SYNCB/TYDC or SYNCB/Toysdc.
Even if your application was denied or never finalized, the inquiry may still be recorded.
How a SYNCB/TYDC Inquiry Affects Your Credit Score
Hard inquiries usually lower your credit score by a few points. A single inquiry won’t do much damage, but multiple inquiries in a short time can have a bigger impact and may signal financial risk to future lenders.
To keep your credit score healthy, it’s important to monitor your report and limit new applications when possible.
How Long SYNCB/TYDC Inquiries Stay on Your Credit Report
Hard inquiries remain on your credit report for up to two years. However, their effect on your credit score fades after about 12 months.
If the inquiry was legitimate, it will drop off with time. But if it wasn’t authorized, you should take steps to remove it.
What to Do If You Didn’t Authorize the Inquiry
If you don’t recognize SYNCB/TYDC, take these steps to investigate and protect your credit:
- Contact Synchrony Bank to confirm the inquiry and ask whether an application was submitted using your information.
- Check all three credit reports for additional signs of unauthorized activity.
- File a dispute with Equifax, Experian, and TransUnion if you didn’t authorize the inquiry.
- Consider placing a fraud alert or freezing your credit if you suspect identity theft.
Synchrony Bank Contact Info:
PO Box 965035
Orlando, FL 32896-5035
Phone: (877) 295-2080
How to Remove SYNCB/TYDC From Your Credit Report
If the inquiry was made without your permission or added by mistake, you can dispute it with the credit bureaus. Be prepared to explain why the inquiry is inaccurate and include any supporting documentation.
You can manage this process on your own or work with a professional credit repair service. Credit Saint helps clients remove unauthorized or inaccurate items, including:
- Hard inquiries
- Late payments
- Collections
- Charge-offs
- Repossessions
- Foreclosures
- Bankruptcies
Ready to Clean Up Your Credit?
If hard inquiries or other negative marks are holding back your credit score, Credit Saint may be able to help. Their experienced team has helped thousands of people remove harmful items and rebuild their credit with confidence.
They even offer a 90-day money-back guarantee for added peace of mind.
Visit their website today to see how they can help you take control of your credit.
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