SYNCB/DKS: What Is It & How Can You Remove It From Your Credit Report?

Last Updated: Mar 15, 2023

  • SYNCB/DKS is likely a hard inquiry on your credit report
  • If you don’t recognize this inquiry, it could be a result of identity theft
  • Call us today for your FREE consultation (+ find out how you can get it removed)


SYNCB/DKS is what’s known as a hard inquiry. Hard inquiries occur when a lender pulls your credit report when applying for a loan.

Under What Circumstances Can SYNCB/DKS (+ Other Similar Inquiries) Be Removed?

Generally you can remove inquiries from your report if any of the following has happened:

  1. It was created without your permission
  2. It was created without your knowledge
  3. There are more inquiries than what you expected

Why is SYNCB/DKS on my credit report?

SYNCB/DKS 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.

What is a hard inquiry?

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:

  • Credit cards  
  • Auto loans  
  • Mortgages  
  • Insurance policies  
  • Mobile phones  
  • Utility services

How to Dispute SYNCB/DKS Inquiries on Your Credit Report

If you notice unfamiliar SYNCB/DKS inquiries on your credit report, these can be disputed. Here's how to do it:

  • Obtain a copy of your credit report from one of the three major credit bureaus (Equifax, Experian, and TransUnion).
  • Review your credit report for any suspicious SYNCB/DKS inquiries and make note of the date and any other relevant information.
  • Contact SYNCB/DKS and ask them to provide proof that you authorized the inquiry if possible.
  • Dispute the inquiry with the credit reporting agency - either online or by mail - if there is no proof that you authorized it.
  • Follow up with the credit reporting agency to ensure that the inquiry has been removed from your report.

By taking these steps, you can improve your credit score and protect yourself from fraudulent activity associated with SYNCB/DKS inquiries.

How to Reduce the Effect of Hard Inquiries on Your Credit Score

If you're worried about hard inquiries adversely impacting your credit score, make sure to space out your credit applications and only apply for credit when it's absolutely necessary. You may also want to look into pre-qualified offers which usually result in a soft inquiry. Additionally, if you find yourself needing multiple hard inquiries at once, try to complete them within a week or two so they're seen as one inquiry by lenders. It's important to be mindful of your own credit payments and utilization rate as well, as these factors will also affect your score.

Looking for help with SYNCB/DKS?

How long do hard inquiries stay on your credit report?

Hard inquiries (like SYNCB/DKS) will remain on your credit report for a maximum of 2 years, regardless of whether or not your credit with Synchrony Bank/Dick's Sporting Goods was approved. Depending on the scoring model used, hard inquiries will stop affecting your score between 3 to 12 months.

What is a soft inquiry?

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.

Can SYNCB/DKS Be Removed From My Credit Report?

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.

Looking for help with SYNCB/DKS?

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