If you’ve spotted “SYNCB/Amazon PLCC” on your credit report and you’re not sure why it’s there—or you’re trying to get it removed—you’re not alone. Here’s what that entry means, how it affects your credit score, and what to do if it doesn’t belong there.
What SYNCB/Amazon PLCC Means on Your Credit Report
SYNCB/Amazon PLCC stands for Synchrony Bank/Amazon Private Label Credit Card. It shows up when you apply for an Amazon Store Card or Amazon Secured Card, both issued by Synchrony Bank.
If you applied for one of these cards, this entry is just a record of the application. If you didn’t, it could be a sign of something more serious—like identity theft or an error.
Why SYNCB/Amazon PLCC Appears on Your Credit Report
This entry typically shows up as a hard inquiry, which happens when a lender pulls your credit during a new application. Synchrony Bank checks your credit to decide whether to approve or deny your Amazon credit card application. That check leaves a mark, even if you never end up opening the card.
How a Hard Inquiry Affects Your Credit Score
A single hard inquiry won’t tank your credit score, but it can shave off a few points—usually under five. The more important thing is timing. If you have several inquiries within a short period, lenders may think you’re desperate for credit or in financial trouble, which could hurt your approval odds for future credit.
How Long SYNCB/Amazon PLCC Stays on Your Report
Hard inquiries like SYNCB/Amazon PLCC stay on your credit report for up to two years. While the credit score impact fades after a few months, the inquiry itself remains visible to lenders during that time.
What to Do If You Don’t Recognize the Inquiry
Did you find SYNCB/Amazon PLCC on your credit report, but you don’t remember applying for an Amazon card? It might be:
- A reporting error
- A case of identity theft
- Someone else applying using your information
Start by contacting Synchrony Bank to ask for more details. If they confirm that you never applied, you have the right to dispute the inquiry with the credit bureaus—Equifax, Experian, and TransUnion—and request its removal.
How to Get SYNCB/Amazon PLCC Removed From Your Credit Report
If this entry is dragging your credit score down—or shouldn’t be there at all—you don’t have to deal with it on your own. A credit repair service like Credit Saint can help you challenge and potentially remove inaccurate or outdated items, including:
- Late payments
- Collections
- Charge-offs
- Foreclosures
- Repossessions
- Bankruptcies
Ready to Take Back Control of Your Credit?
Whether you’re dealing with incorrect inquiries or more serious credit issues, Credit Saint could help you turn things around. They’ve worked with thousands of people to improve their credit—and they even offer a 90-day money-back guarantee if you’re not satisfied.
Want to see what they can do for you? Visit their website to get started.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
