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

Last Updated: Mar 17, 2023

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

SYNCB/MC 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

The Difference Between Hard and Soft Inquiries

Hard and soft inquiries are two types of credit inquiries that can be pulled from your credit report. A hard inquiry occurs when a lender or creditor requests your credit report to make a lending decision. It may also happen when you're applying for credit or financing. On the other hand, a soft inquiry occurs when you or a company checks your credit report for informational purposes, such as pre-approvals or background checks.

The main difference between the two types of inquiries is how they impact your credit score. Hard inquiries can lower your credit score temporarily, while soft inquiries have no effect on your credit score. Hard inquiries are visible to anyone who checks your credit report, while soft inquiries are only visible to you.

Tips for Minimizing the Impact of Hard Inquiries on Your Credit Score

While hard inquiries are an inevitable part of applying for credit, there are ways to minimize their impact on your credit score. One way is to be strategic about when and how often you apply for credit. Applying for several credit cards or loans in a short period of time can have a negative impact on your score, so spacing out your applications can help.

Another way to minimize the impact of hard inquiries is to only apply for credit that you truly need. Applying for credit that you don't need or won't use can lead to unnecessary hard inquiries on your credit report. Lastly, you can consider pre-qualifying for credit offers before applying to see if you're likely to be approved, which can reduce the number of hard inquiries on your credit report.

Looking for help with SYNCB/MC?

How long do hard inquiries stay on your credit report?

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

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