How to Remove TJXRewards/SYNCB From Your Credit Report

TJXRewards/SYNCB on your credit report is one of two codes that can appear after applying for or holding a TJX Rewards credit card. You may also see this listed as SYNCB/TJX CO DC, depending on which credit bureau is displaying the entry. Both point to Synchrony Bank and the TJX Rewards credit card program.

What makes this entry worth a closer look is that it can show up for more than one reason. It’s not always just a hard inquiry.

What Is TJXRewards/SYNCB on Your Credit Report?

TJXRewards/SYNCB combines the TJX Rewards program and Synchrony Bank, the issuing bank behind the cards. Synchrony issues two TJX credit products: the TJX Rewards Credit Card, a store card usable at T.J. Maxx, Marshalls, HomeGoods, Homesense, and Sierra, and the TJX Rewards Platinum Mastercard, which can be used anywhere Mastercard is accepted and earns points on purchases outside TJX stores as well.

This entry can appear on your credit report as a hard inquiry, an active account, or a negative mark depending on what has happened with the card.

Why TJXRewards/SYNCB Might Be on Your Credit Report

Identifying which type of entry you’re looking at is the most important first step, since each situation calls for a different response:

• Hard inquiry: You applied for a TJX Rewards credit card, and Synchrony Bank ran a credit check during the application process. This appears regardless of whether you were approved or denied.
• Active account: If your application was approved, the account is reported to all three major credit bureaus monthly, showing your balance, credit limit, and payment history.
• Late payments or delinquency: Missed payments on a TJX Rewards account are reported to the credit bureaus and can significantly lower your credit score. These entries can stay on your credit report for seven years.
• Closed account: Closed accounts remain on your credit report, either helping or hurting your credit score depending on the account history. A closed account in good standing can stay for up to 10 years.
• Collections: If the account was charged off and sent to collections, it generates an additional negative entry separate from the original account.
• Unauthorized entry: If you don’t recognize any of the above, someone may have used your personal information to apply for a TJX card without your knowledge.

How TJXRewards/SYNCB Affects Your Credit Score

The impact depends on what type of entry you’re dealing with. A hard inquiry causes a small, temporary dip of a few points. An active account with consistent on-time payments and low credit utilization can help your credit score over time. Late payments, charge-offs, or collections are far more damaging and can affect your credit score for years.

How Long TJXRewards/SYNCB Stays on Your Credit Report

The timeline varies depending on the entry type. Hard inquiries drop off after two years. Open accounts stay on your credit report as long as they’re active and for up to 10 years after closing in good standing. Negative marks like late payments remain for seven years from the date of the first missed payment.

What to Do If You Don’t Recognize the TJXRewards/SYNCB Entry

Whether the entry is a hard inquiry or an account, the first step is always to identify what triggered it.

• Contact Synchrony Bank directly: Ask them to confirm what product is associated with the entry, when it was created, and whether it’s connected to your personal information.
• Dispute inaccurate information with the credit bureaus: If any detail is wrong, whether it’s an unauthorized inquiry, an incorrect balance, or a payment history error, file a formal dispute with Equifax, Experian, and TransUnion. Include your personal details and a written explanation of the error.
• Place a fraud alert or credit freeze: If you suspect identity theft, 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 TJXRewards/SYNCB entry, here is their contact information:

Phone: (800) 952-6133

Mailing Address: Synchrony Bank, 170 Election Road, Suite 125, Draper, UT 84020

Bottom Line

TJXRewards/SYNCB on your credit report is Synchrony Bank reporting activity related to a TJX Rewards credit card, and it can mean more than just a hard inquiry. Before deciding what to do, determine whether you’re looking at an application inquiry, an active account, or a negative mark.

If everything looks accurate and you recognize the history, there’s nothing urgent to do. If something looks wrong or you don’t recognize the entry at all, contact Synchrony Bank and dispute it with the credit bureaus right away.