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What is CITGO/SYNCB On My Credit Report?

Has a recent entry from CITGO/SYNCB brought down your credit score?

If it is appearing on your credit report, it’s probably a hard inquiry.

This type of inquiry gets added to your report whenever you apply for a credit card, line of credit, or loan.

CITGO/SYNCB represents the CITGO credit card issued by Synchrony Bank.

Whether you’re unsure of how hard inquiries work or don’t know how CITGO wound up on your credit report, the guide below is for you.

We’ll explore the ways that hard inquiries can influence your credit and help you with getting fraudulent inquiries removed.


CITGO is one of the largest gas station chains in the country, with over 5,000 stores across 30 states.

It’s also one of Synchrony’s credit card partners.

Synchrony is a popular bank that offers rewards credit cards, including popular brands such as:

  • Banana Republic
  • TJ Maxx
  • BP
  • Toys R Us
  • eBay
  • PayPal

With Synchrony’s CITGO card, you get $.05 per gallon of gas, with a promotional $.10 per gallon for the first 3 months.

When you submit an application for a credit card from Synchrony or any other provider, it can lead to a hard inquiry.

We’ll take a closer look at hard inquiries below.

If you are overwhelmed by dealing with negative entries on your credit report,
we suggest you ask a professional credit repair company for help.

Ask Lex Law for Help

How Do Hard Inquiries Work?

First things first: Finding a hard inquiry on your report after applying for funding is nothing to stress about.

Hard inquiries are a necessary step for securing credit cards and loans.

They allow lenders to get an inside look at how you’ve utilized credit in the past, helping them to determine whether or not you’re a responsible borrower.

Whenever you submit an application, you’re authorizing the lender to obtain a copy of your credit report(s).

While some lenders stick to one bureau, others might factor in all of your scores.

That means your Experian, TransUnion, and Equifax reports could be hit with an inquiry.

A hard inquiry could lower your credit score by a couple of points, and it will be on your report for 2 years.

Once 24 months have passed, the inquiry simply falls off your report.

While a few hard inquiries should only impact your credit minimally, you should apply for new credit sparingly.

Having several of these inquiries might make lenders hesitant to approve your application, as it can make it seem as though you have to depend on loans and credit cards to survive.

And a few points here and there can accumulate, with lots of inquiries having a significant effect on your score.

The advice above only applies to hard inquiries, not soft credit checks, which occur when you check your score or pre-qualify for a loan or card.

You should have no qualms about checking your credit score with a credit monitoring app, as it does no harm to your score.

How to Get CITGO/SYNCB Removed from Your Credit Report

A legitimate hard inquiry may not be worth stressing over, but an unwarranted inquiry is a red flag.

If you never applied for a CITGO card, the inquiry could be a mistake, or even worse, a sign of identity theft.

Even if it has virtually no effect on your score, you should still get the hard inquiry taken off your report.

Here’s how.

File a Dispute

There are at least two places you need to turn if there is a fraudulent inquiry from CITGO/SYNCB on your report: Synchrony and the credit bureaus.

You should first reach out to Synchrony to let them know what’s going on and ask for some proof of your application.

With those details in hand, you should turn to whichever of the credit bureaus features the entry.

They’ll open an investigation, and if the entry is deemed to be illegitimate, they’ll remove it from your report within 30 days.

You can give the bureaus a call, file a claim online, or send in a letter.

Pro Tip: Never miss a beat when it comes to your credit by using a credit monitoring service.

You’ll get free score updates, alerts when new entries are added to your report, and tailored advice and credit offers.

You’re also allotted one free copy of your report per year at, which can give you a more detailed look at your credit profile.

Use a Credit Repair Company

If hard inquiries are one of many credit issues and your score needs a serious boost, a credit repair company could be a lifesaver.

These credit experts can get to the root of what’s negatively influencing your score, disputing inaccuracies on your behalf and ensuring they get removed promptly.

They’ll help you improve your score, coming up with a targeted plan for recovering from issues like:

If you think you could benefit from these services, start comparing options with our ranking of the best credit repair companies.

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Getting CITGO/SYNCB off Your Credit Report

If you never applied for a CITGO/SYNCB card, the advice above can help you get it removed from your credit report quickly.

But if you did apply for a CITGO credit card, you don’t need to worry about trying to get it removed.

Instead, focus on improving your score in more impactful ways. Keep your credit utilization under 30% and pay at least the minimum balance each month.

You can’t do much about an inquiry you consented to in the past. But you can limit the damage of future hard credit pulls. Do this by checking into the credit requirements before applying for cards and loans.


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