How to Remove SYNCB/WGDC From Your Credit Report

SYNCB/WGDC on your credit report is the code that appears when Synchrony Bank runs a hard inquiry for a Walgreens credit card application. SYNCB stands for Synchrony Bank, and WGDC is the abbreviated identifier for Walgreens Drug Company. If you’ve applied for the myWalgreens Credit Card or myWalgreens Mastercard, this is the entry that follows.

What Is SYNCB/WGDC on Your Credit Report?

SYNCB/WGDC identifies a Synchrony Bank hard inquiry tied to a Walgreens credit card application. Synchrony Bank issues two Walgreens credit products under the myWalgreens program.

The myWalgreens Credit Card is a store card usable only at Walgreens, Duane Reade, and Walgreens.com, while the myWalgreens Mastercard can be used anywhere Mastercard is accepted and earns Walgreens Cash rewards on all purchases.

When you apply, Synchrony automatically considers you for both products and assigns you whichever one you qualify for based on your credit profile. Either way, the hard inquiry shows up on your credit report as SYNCB/WGDC.

Why SYNCB/WGDC Appears on Your Credit Report

This entry almost always traces back to a myWalgreens credit card application. Here’s how it typically comes up:

• In-store application: Walgreens promotes their credit card to myWalgreens loyalty members, often at the pharmacy counter or checkout. Many customers apply while picking up prescriptions without fully anticipating the credit check that follows.
• Online application: Applying through the Walgreens website or app generates the same Synchrony hard inquiry as an in-store application.
• Targeted member offer: Walgreens sometimes promotes the credit card to existing myWalgreens members through the app or email. Responding to one of those offers and submitting an application generates this entry.
• Unauthorized application: If someone used your personal information to apply for a Walgreens card without your knowledge, the hard inquiry still appears on your credit report.

How SYNCB/WGDC 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/WGDC 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 myWalgreens 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/WGDC Entry

An unfamiliar SYNCB/WGDC 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/WGDC inquiry, here is their contact information:

Phone: (855) 945-3593

Mailing Address: Synchrony/Walgreens, P.O. Box 71710, Philadelphia, PA 19176-1710

Bottom Line

SYNCB/WGDC on your credit report is a Synchrony Bank hard inquiry tied to a myWalgreens credit card application. 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. A pharmacy store card inquiry might feel routine, but an unauthorized one always deserves follow-up.