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

Last Updated: Mar 02, 2023

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

SYNCB/NTWK 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/NTWK on Your Credit Report

If you spot an unfamiliar inquiry from SYNCB/NTWK on your credit report, it could be a sign of identity theft. To safeguard against this, promptly dispute the inquiry by taking these necessary steps:

  • Get a copy of your credit report: Stay on top of your financial health and review your credit report annually! You can access a free copy from each of the three major bureaus once per year.
  • Review your credit report: Make sure your credit report is accurate—check for errors and incorrect hard inquiries such as those made by SYNCB/NTWK.
  • File a dispute: If you find any errors or inaccuracies in your report, you can file a dispute with the credit reporting agencies. It's best to submit your dispute in writing and by certified mail.
  • Follow up: The credit bureau will take a look into your dispute, rectify any mistakes found or provide an explanation if they deny it. If the investigation proves your claim right, SYNCB/NTWK should no longer appear on our credit report.

Common Reasons for SYNCB/NTWK Inquiries and How to Avoid Them

Applying for a retail store credit card may result in an SYNCB/NTWK inquiry on your credit report. This is because Synchrony Bank partners with several retailers, such as Amazon, Walmart, and Lowe's – any applications made at these stores could be reflected as inquiries from the bank.

Safeguard your credit score by limiting the number of applications you submit and researching potential lenders before applying. Be aware that any interaction with SYNCB/NTWK will likely result in a hard inquiry, so it is important to make informed decisions about when and how much credit to apply for.

Looking for help with SYNCB/NTWK?

How long do hard inquiries stay on your credit report?

Hard inquiries (like SYNCB/NTWK) 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/NTWK 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/NTWK?

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