SYNCB/Amazon PLCC is what’s known as a hard inquiry. Hard inquiries occur when a lender pulls your credit report when applying for a loan.
Generally you can remove inquiries from your report if any of the following has happened:
SYNCB/Amazon PLCC reviewed a copy of your credit report(s) to decide whether or not to lend to you, which appears on your report as a hard inquiry.
Lenders are required to report hard inquiries everytime they pull your credit reports because you asked for credit. They use this reporting to track how often you’re applying for credit cards, loans, etc., which in their eyes makes you a higher risk.
If you don’t recognize this company, consider what else you may have applied for around the date of the inquiry, as many times businesses will use 3rd parties to pull credit reports which regularly causes confusion.
Hard inquiries, or hard pulls, occur every time you apply for credit and a lender needs to pull your credit reports to make an informed decision whether or not to approve you.
The most common reason for these are when applying for:
If you spot an inaccurate SYNCB/Amazon PLCC inquiry on your credit report, take action. Request a copy of the report to pinpoint and dispute the erroneous inquiry with either the credit bureau or creditor who reported it. Include reasons and any supporting evidence when filing your dispute. The responding party has 30 days to investigate before determining whether to remove it from your record permanently.
It is important to stay on top of the SYNCB/Amazon PLCC inquiry status, as any discrepancies could affect your credit score. Monitor your credit report regularly and contact Synchrony Bank/Amazon Private Label Credit Card customer service with questions or concerns for assistance in removing it from your record.
To maintain a strong credit rating, apply for new lines of credit judiciously - too many applications can negatively impact your score. Be strategic in timing; instead of submitting several requests at once, space them out to minimize the hard inquiries that are placed on your report
Keeping a close watch on your credit report is key to staying alert for any unauthorized inquiries. Furthermore, considering other financing options can help you avoid applying for Synchrony Bank/Amazon Private Label Credit Card and its associated hard inquiry.
By doing your research, you can understand what you're getting into and how it will affect your credit report - that way, you can make informed decisions on which applications are right for you while maintaining excellent financial health.
Hard inquiries (like SYNCB/Amazon PLCC) will remain on your credit report for a maximum of 2 years, regardless of whether or not your credit with Synchrony Bank/Amazon Private Label Credit Card was approved. Depending on the scoring model used, hard inquiries will stop affecting your score between 3 to 12 months.
If you’ve ever received a pre-qualification offer for a credit card, auto loan, mortgage, or anything else of that nature, a soft inquiry, or soft pull, was used. Unlike hard inquiries, soft inquiries have nothing to do with you requesting new credit, and as such they’re not visible to anyone except you and do not lower your score.
If the inquiry is a result of identity theft, then yes, TBOM/CONTIN can be removed from your credit report, this is something we can help with.
Speak with a live credit specialist for your free consultation, now
