SYNCB/WGDC may appear on your credit report after Synchrony Bank checks your credit for a myWalgreens credit card application. SYNCB stands for Synchrony Bank, and WGDC refers to Walgreens.
An accurate hard inquiry normally stays on your credit report until it expires. You may be able to remove SYNCB/WGDC when you never applied, the entry appears more than once, the details are wrong, or someone used your personal information without permission.
What Is SYNCB/WGDC on Your Credit Report?
SYNCB/WGDC is a credit report label tied to a Walgreens credit card application handled by Synchrony Bank. Walgreens currently offers the myWalgreens Credit Card and the myWalgreens Mastercard through Synchrony Bank. Walgreens states that approved applicants receive either the store card or Mastercard based on Synchrony Bank’s credit requirements.
A full application may cause Synchrony Bank to request your credit report from one or more credit bureaus. That request can appear as a hard inquiry under SYNCB/WGDC or a similar shortened name.
The inquiry can appear even if Synchrony Bank denies the application. If the application is approved, the new account may appear separately in the account section of your credit report.
Why SYNCB/WGDC May Appear
Most SYNCB/WGDC inquiries follow a myWalgreens credit card application. The application may have been submitted in a store, online, or through a member offer. Walgreens confirms that myWalgreens members can apply online or in Walgreens stores.
Common explanations include:
- In-store application: You applied after a card offer appeared at checkout or through a store employee.
- Online application: You completed a full application through Walgreens or Synchrony Bank.
- Member offer: You responded to an offer sent through email or your myWalgreens account.
- Denied application: Synchrony Bank checked your credit before it declined the request.
- Duplicate inquiry: One application produced more than one hard inquiry.
- Unauthorized application: Someone used your personal information without your consent.
- Mixed credit file: The inquiry belongs to another consumer.
A denied request can still create a valid hard inquiry. The inquiry records the credit check, not the final approval decision.
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Can You Remove SYNCB/WGDC From Your Credit Report?
You can dispute SYNCB/WGDC when the inquiry is unauthorized, duplicated, or inaccurate. A valid inquiry generally remains until the credit bureau removes it under its normal reporting schedule.
Removal may be appropriate when:
- You never applied for a myWalgreens card.
- You did not give another person permission to apply.
- The same application appears more than once.
- The inquiry date or company information is incorrect.
- The entry belongs to someone else.
- Identity theft caused the application.
You usually cannot remove an accurate inquiry because you changed your mind, received a denial, never activated the card, or closed the account. Accurate information generally cannot be removed only because it is unfavorable.
How to Identify the Walgreens Application
Review All Three Credit Reports
Check your Equifax, Experian, and TransUnion credit reports. SYNCB/WGDC may appear on only one credit report because Synchrony Bank does not have to check every credit bureau.
Record these details:
- Inquiry name: Copy the label exactly as it appears.
- Inquiry date: Compare the date with Walgreens purchases and card offers.
- Credit bureau: Note which credit report contains the entry.
- Contact details: Save any phone number or address listed with the inquiry.
- Related account: Look for a Walgreens or Synchrony Bank account that you do not recognize.
Check for other unknown accounts, names, addresses, or inquiries.
Check Your Walgreens Records
Search your email for messages from Walgreens, myWalgreens, or Synchrony Bank. Review online account notices, store receipts, and application messages from the date near the inquiry.
Contact Synchrony Bank
Call the myWalgreens credit card customer service number at 855-945-3593. Ask the representative to identify the application connected to the inquiry.
Request these details:
- Card type: Was the application for the myWalgreens Credit Card or Mastercard?
- Application date: When did Synchrony Bank receive the request?
- Applicant information: What address, phone number, and email address were used?
- Application result: Was the request approved or denied?
- Account status: Did Synchrony Bank open an account?
- Authorization records: What information connects you to the application?
Tell the representative that you do not recognize the application when that is true. Ask for a case number and the correct department for fraud or credit reporting disputes.
How to Dispute an Unauthorized SYNCB/WGDC Inquiry
Contact Synchrony Bank and each credit bureau that reports the inquiry. Keep copies of all records and confirmation numbers.
File a Dispute With the Credit Bureau
Submit a dispute only to the credit bureau or credit bureaus that show SYNCB/WGDC.
Include:
- Identity documents: Follow the credit bureau’s requirements.
- Credit report copy: Mark the disputed inquiry.
- Inquiry details: List the exact company name and date.
- Clear explanation: State that you did not submit or authorize the application.
- Supporting records: Add any response from Synchrony Bank.
- Requested action: Ask for removal of the unauthorized or inaccurate inquiry.
Credit bureaus generally must investigate within 30 days, although some cases may take up to 45 days. The Consumer Financial Protection Bureau recommends that you dispute incorrect information with both the credit bureau and the company that supplied it.
Send a Direct Dispute to Synchrony Bank
Ask Synchrony Bank for the current mailing address that handles unauthorized applications or credit reporting disputes. Do not assume that a payment address accepts dispute documents.
Your letter should identify the inquiry date, the credit bureau that lists it, and the reason you believe the application was unauthorized. Ask Synchrony Bank to provide records that show you submitted or approved the request.
Send copies, not originals, and keep proof of delivery.
Review the Investigation Results
Review the investigation results and your updated credit report.
If the inquiry remains, ask what records supported verification. Add new evidence to any second dispute. Federal law gives you the right to dispute incomplete or inaccurate information, but a credit bureau does not have to investigate a claim that it reasonably determines is frivolous.
What to Do If a Walgreens Account Was Opened
An unauthorized inquiry may be tied to a fraudulent myWalgreens account. Removing the inquiry does not close that account.
Ask Synchrony Bank whether it approved the application, issued a card, or recorded purchases. Report the account as fraudulent when you did not open it.
Dispute the account separately with Synchrony Bank and every credit bureau that reports it. Identify any false balance, payment history, address, or account status.
Protect Your Credit After a Suspicious Inquiry
Consider a fraud alert or credit freeze when someone may have used your identity.
- Fraud alert: Tells creditors to take extra steps to confirm your identity before they approve new credit.
- Credit freeze: Restricts access to your credit files until you lift it.
Change account passwords, turn on multifactor authentication, and keep checking your credit reports.
How Long SYNCB/WGDC Stays on Your Credit Report
A hard inquiry can remain on your credit report for up to two years. It should disappear automatically after that period.
The inquiry may remain after a denial, account closure, or decision not to use the card. Those events do not make the original credit check inaccurate.
SYNCB/WGDC may not appear on all three credit reports. It appears only on the credit report or credit reports that Synchrony Bank accessed.
How SYNCB/WGDC May Affect Your Credit Score
A hard inquiry may affect your credit score, but no fixed point loss applies to every consumer. The result depends on the credit scoring model and the rest of your credit history.
Several recent applications may matter more than one inquiry. Other credit factors usually carry more weight.
Checking your own credit report creates a soft inquiry and does not lower your credit score. The Consumer Financial Protection Bureau states that hard inquiries may affect credit scores because credit scoring models can consider how recently and frequently you apply for credit.
Synchrony Bank Walgreens Contact Information
Use these details for myWalgreens credit card questions:
Phone: 855-945-3593
Call before mailing documents and request the current address for disputes or fraud claims. The Philadelphia address in the original draft may be a payment address rather than the correct destination for a credit reporting dispute.
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Bottom Line
SYNCB/WGDC usually means Synchrony Bank checked your credit after a myWalgreens Credit Card or myWalgreens Mastercard application. An accurate inquiry can remain on your credit report for up to two years.
Investigate the entry when you do not recognize it. Ask Synchrony Bank which card caused it and whether an account was opened.
Dispute SYNCB/WGDC with each credit bureau that reports it when the application was unauthorized, duplicated, or inaccurate. Check for a related Walgreens account as well because an unfamiliar inquiry may be the first sign that someone applied for credit in your name.
Rachel Myers is a personal finance writer who believes financial freedom should be practical, not overwhelming. She shares real-life tips on budgeting, credit, debt, and saving, without the jargon. With a background in financial coaching and a passion for helping people get ahead, Rachel makes money management feel doable, no matter where you’re starting from.