How to Remove TJXRewards/SYNCB From Your Credit Report

Is TJXRewards/SYNCB hurting your credit score?

Lexington Law Firm has successfully assisted millions of clients in removing inaccurate and questionable credit inquiries from their credit reports.

What is TJXRewards/SYNCB?

TJXRewards/SYNCB stands for TJX Rewards/Synchrony Bank.

TJXRewards/SYNCB may be on your credit report as a hard inquiry. This usually happens when you apply for a TJX Rewards credit card or TJX Rewards Platinum Mastercard issued by Synchrony Bank.

The TJX Rewards credit card and TJX Rewards Platinum Mastercard are available at TJ Maxx stores. You can usetheTJX Rewards Credit Cardto earn rewards TJ Maxx, Marshalls, HomeGoods, and Sierra Trading Post stores.

You can also apply for the TJX Rewards Credit Card and manage your account online on their website.

What is a hard inquiry?

A hard inquiry occurs any time you apply for new credit and the lender or creditor runs a credit check. It can be for a mortgage, apartment, car loan, credit card, insurance policy, cell phone, and sometimes even a job application.

Hard inquiries will typically only drop your credit score by a few points. However, if you have too many, especially in a short period of time, they can really start to add up and do some damage.

What is a soft inquiry?

A soft inquiry typically occurs when a company checks your credit history as part of a background check. It can also happen when a credit card issuer or lender checks your credit to prequalify you for an offer. Sometimes a soft inquiry might even be pulled by an existing creditor just checking on your current credit situation.

Soft inquiries do not have an impact on your credit scores.

How long do hard inquiries stay on your credit report?

Whether you get approved for the TJX Rewards credit card makes no difference. The hard inquiry will remain on your credit report for up to 2 years. Each time you make an inquiry, it is recorded by one or all of the three major credit reporting agencies: Equifax, Experian, and TransUnion.

Unauthorized Inquiries

If you don’t recognize the inquiry, or you are sure you didn’t make the inquiry, contact Synchrony Bank and ask them why an inquiry was made. The creditor’s name should be listed under the hard inquiry section on your credit report.

Can TJXRewards/SYNCB be removed from my credit report?

Lexington Law specializes in removing inquiries and other negative marks on your credit report. With more than 18 years of experience, they achieved over 6 million removals for their clients in 2021 alone.

They can also help you dispute (and possibly remove) the following items:

  • late payments
  • collections
  • charge offs
  • foreclosures
  • repossessions
  • bankruptcies

Get Your Inquiries Removed Today!

If you’re looking for a reputable credit repair company to help you repair your credit, consider working with Lexington Law.

They have helped many people in your situation. Give them a call at (800) 220-0084 to see what they can do for you.