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

Last Updated: Mar 16, 2023

  • SYNCB/GAPDC 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/GAPDC 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/GAPDC (+ 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/GAPDC on my credit report?

SYNCB/GAPDC 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 Avoid SYNCB/GAPDC Inquiries on Your Credit Report (125 words)

When it comes to hard inquiries, being selective about which credit applications you choose is important. Applying for multiple credit cards or loans within a short timespan can lead to numerous hard inquiries, and this can result in a dip in your credit score. Also be mindful of pre-qualification offers - opt for the soft inquiry ones so that your score won't suffer - and if you're ever unsure about an inquiry on your report, always confirm with the lender or the credit bureau before applying. Keeping these tips in mind can help you avoid unnecessary inquiries and maintain a good credit score.

How to Remove SYNCB/GAPDC Inquiries from Your Credit Report (125 words)

If you have a SYNCB/GAPDC inquiry on your credit report that you feel is inaccurate or unauthorized, there are steps you can take to have it removed. Start by filing a dispute with the credit bureau and explain why you think the inquiry shouldn't be there. The bureau will conduct an investigation and may remove the inquiry if they find it to be incorrect or unauthorized. You can also contact SYNCB/GAPDC directly and ask that they take it off your report. Removing hard inquiries won't make a huge difference to your credit score, but it's good practice to keep your report accurate in any way possible.

Looking for help with SYNCB/GAPDC?

How long do hard inquiries stay on your credit report?

Hard inquiries (like SYNCB/GAPDC) will remain on your credit report for a maximum of 2 years, regardless of whether or not your credit with Synchrony Bank/Gap DC 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/GAPDC 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/GAPDC?

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