What is SYNCB/CCSYCC?
SYNCB/CCSYCC stands for Synchrony Bank, a financial institution that issues many store-branded credit cards. When you apply for a credit card through a retailer, there’s a chance that Synchrony Bank is the lender behind the card.
If you see SYNCB/CCSYCC on your credit report, it usually appears as a hard inquiry, which happens when a lender checks your credit history during the application process.
Why SYNCB/CCSYCC Appears on Your Credit Report
When you apply for a store credit card backed by Synchrony Bank, the lender conducts a hard inquiry to evaluate your creditworthiness. This inquiry is recorded on your credit report and may temporarily lower your credit score.
How SYNCB/CCSYCC Hard Inquiries Affect Your Credit Score
While a single hard inquiry from SYNCB/CCSYCC typically only lowers your credit score by a few points, accumulating multiple hard inquiries in a short time can have a larger impact. Lenders may see numerous inquiries as a sign of financial strain, making it harder for you to be approved for new credit.
How Long SYNCB/CCSYCC Inquiries Stay on Your Credit Report
Hard inquiries from SYNCB/CCSYCC can remain on your credit report for up to two years. These inquiries are tracked by the major credit bureaus—Equifax, Experian, and TransUnion. Although the inquiries stay on your report for two years, their effect on your credit score decreases over time, and most credit scoring models stop considering them after 12 months.
Options for Addressing Unauthorized SYNCB/CCSYCC Inquiries
If you find a SYNCB/CCSYCC inquiry on your credit report that you don’t recognize or didn’t authorize, it’s important to take action. You can contact Synchrony Bank to verify the inquiry and determine if it was made by mistake or due to identity theft.
Synchrony Bank Contact Information
Address:
Synchrony Bank
PO Box 965035
Orlando, FL 32896-5035
Phone number: (877) 295-2080
Removing SYNCB/CCSYCC from Your Credit Report
If you believe the SYNCB/CCSYCC inquiry was unauthorized or negatively affecting your credit, you can dispute it directly with the credit bureaus. For additional support, credit repair companies like Credit Saint specialize in removing hard inquiries and other negative marks, such as late payments, collections, charge-offs, foreclosures, repossessions, and bankruptcies.
Take Action to Improve Your Credit
If your credit score has been impacted by hard inquiries or other negative marks, consider working with a reputable credit repair service like Credit Saint. Their experience in removing inaccuracies from credit reports can help you take control of your credit and move toward better financial health.
Visit their website and fill out the consultation form to get started on the path to improving your credit today.
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