If you spotted SYNCB/WGDC on your credit report and don’t recognize it, you’re not alone. This code can be confusing, but it typically ties back to one specific lender—and knowing what it means is the first step to dealing with it.
What SYNCB/WGDC Means on Your Credit Report
SYNCB/WGDC stands for Synchrony Bank/Walgreens. It shows up when you apply for the Walgreens credit card, which is issued by Synchrony Bank. When you submit an application, Synchrony pulls your credit, resulting in a hard inquiry—and that’s what appears as SYNCB/WGDC.
Why SYNCB/WGDC Appears on Your Credit Report
The SYNCB/WGDC code shows up because of a credit check done during your Walgreens credit card application. It’s a standard part of the process—Synchrony Bank reviews your credit history to decide whether to approve your request.
If you didn’t apply for a Walgreens credit card, this could be a sign of unauthorized activity.
How a SYNCB/WGDC Hard Inquiry Affects Your Credit Score
Hard inquiries can lower your credit score by a few points. While one inquiry isn’t a big deal, multiple hard pulls in a short time can make lenders nervous. It may suggest you’re taking on more debt, which can affect future credit approvals.
The impact is usually small and fades over time.
How Long SYNCB/WGDC Stays on Your Credit Report
A SYNCB/WGDC hard inquiry remains on your credit report for up to two years. It’s reported by all three major credit bureaus—Equifax, Experian, and TransUnion. While the inquiry becomes less relevant as it ages, it will stay visible for the full two years.
What to Do if You Didn’t Authorize the Inquiry
If you never applied for a Walgreens credit card but see SYNCB/WGDC on your credit report, act fast:
- Contact Synchrony Bank to confirm whether an application was submitted in your name.
- Dispute the inquiry with the credit bureaus if you didn’t authorize it.
- Monitor your credit for any additional signs of identity theft.
How to Contact Synchrony Bank
To confirm or dispute the SYNCB/WGDC inquiry, reach out to Synchrony Bank:
- Mailing Address:
Synchrony Bank
PO Box 965035
Orlando, FL 32896-5035 - Phone Number: (877) 295-2080
How to Remove SYNCB/WGDC From Your Credit Report
If the inquiry is inaccurate or unauthorized, you can dispute it directly with the credit bureaus. They’re required to investigate and remove it if they find it shouldn’t be there.
You can handle this process on your own, or you can work with a credit repair company that deals with disputes every day.
When It Makes Sense to Get Help
Credit Saint is a trusted credit repair company that helps remove unauthorized hard inquiries like SYNCB/WGDC. They also work on late payments, collections, charge-offs, repossessions, and other negative items.
They even offer a 90-day money-back guarantee, so there’s no long-term risk in getting started.
Visit their website to see if they’re the right fit for your credit situation.
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