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

Last Updated: Mar 02, 2023

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

SYNCB/NETWRK 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/NETWRK Inquiries on Your Credit Report

If you suspect an unauthorized SYNCB/NETWRK inquiry has been listed on your credit report, it's important to take action. Request a copy of your credit report and dispute the inaccurate inquiry with the bureau that reported it. Along with filing a dispute, provide any relevant documentation proving that you weren't aware of or didn't authorize this activity. 

After taking these steps, be sure to follow up and regularly monitor your credit reports for future suspicious inquiries in order to protect yourself from identity theft as much as possible.

How to Avoid SYNCB/NETWRK Inquiries on Your Credit Report

Need to keep your credit score in check? It's important to be strategic when applying for credit, as multiple applications and opened accounts can negatively impact your report. With too many inquiries on it – including unauthorized ones like SYNCB/NETWRK – you risk damaging that all-important rating. So try not apply more than once a year, avoiding frequent requests which could have an adverse effect - striking a balance is key!

To maintain a healthy credit score, it's important to be mindful of hard inquiries. Pre-qualifying for products before applying will decrease your exposure as this uses soft inquiries that won't affect your report; however, too many in a short span can ultimately damage your score and stay on record up to two years with effects lasting 12 months or more.

Looking for help with SYNCB/NETWRK?

How long do hard inquiries stay on your credit report?

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

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