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

Last Updated: Mar 02, 2023

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

SYNCB/PPMC 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 SYNCB/PPMC Affects Your Credit Score

Hard inquiries from SYNCB/PPMC on your credit report can reduce your score and raise red flags with lenders. Having multiple hard queries may lead to a perception of increased financial risk, which could demonstrate that you are not able or ready to take on additional debt responsibly.

When looking for a loan, it's important to know that the way your credit score is impacted by multiple inquiries can vary. FICO scoring models recognize when consumers shop around and group all associated inquiries within 45 days as one inquiry. However other scoring systems may take into account each individual hard inquiry, potentially resulting in more severe deductions from your overall credit rating.

How to Remove SYNCB/PPMC From Your Credit Report

If SYNCB/PPMC appears on your credit report and you didn't authorize it or have no knowledge of it, there is a way to remove it. Here are the steps:

  • Collect evidence: Gather any relevant documentation that shows the inquiry was made without your permission or knowledge.
  • Dispute the inquiry: Write a dispute letter to Equifax, Experian, and TransUnion explaining why you believe the inquiry is inaccurate or fraudulent. Attach copies of supporting documents.
  • Wait for response: The credit bureaus will investigate your dispute and either remove the inquiry from your report or notify you that it will remain.

Removing SYNCB/PPMC from your credit report can boost your credit score and increase chances of future credit approval.

Looking for help with SYNCB/PPMC?

How long do hard inquiries stay on your credit report?

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

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