Content on is based on in-depth research & analysis. Opinions are our own. We may earn a commission when you click or make a purchase from links on our site. Learn more.


What Is R Us Credit Card SYNCB On My Credit Report?

Is R Us Credit Card SYNCB bringing down your credit score?

When you apply for a credit card or loan with any financial institution, it can lead to a hard credit check.

Why does that matter? Well, each hard credit pull lowers your score, making you appear to lenders or issuers less appealing.

If you’ve applied for a Toys R Us credit card from Synchrony Bank, it could put a dent in your credit score for years, especially if it’s one of multiple hard pulls through other credit card accounts on your report.

With the advice below, you may be able to get the entry off your report and improve your score.

R Us Credit Card SYNCB

SYNCB is the abbreviated name of a well-known national bank, Synchrony.

You may think of American Express, Discover, or Citibank as the major credit card companies, but Synchrony has become one of the largest retail credit card issuers.

The full-service bank provides traditional checking and savings accounts, along with some investment accounts and private label credit cards as well as a Mastercard and Visa card.

Its store credit card offerings are among its most popular products, as the bank partners with dozens of retailers, including Toys R Us/Babies R Us, Walmart, PayPal, Lowe’s, and Amazon, CareCredit and Home, Synchrony’s home improvement card.

If R Us Credit Card SYNCB or R Us Credit Card appears on your report, it’s likely the result of a retail credit card application.

Depending on which retailer you chose to become a cardholder, you will get various advantages as long as your account is in good standing, including rewards points, special financing, competitive interest rates, no annual fees, and cashback rewards.

Synchrony cards are not unlike other companies. As a cardholder, you’re expected to make monthly payments on or before the due date through autopay or by calling their customer service phone number.

It is okay to make the minimum payment only, just make sure you pay on time to avoid any late payments which will without a doubt, incur late fees.

And, be aware of your credit limit to avoid maxing out your card.

How Long Does a Hard Inquiry Stay on Your Credit Report?

There are two types of credit checks: soft and hard pulls.

When you check your own credit score or try to get pre-approved for a loan or card, your report undergoes a soft credit check, which doesn’t impact your score.

On the other hand, a hard check occurs when you actually apply for credit or a loan.

Many people don’t realize that applying for a retail credit card can harm their credit score.

When you complete an application, the lender can obtain your credit report from one or all three of the major credit bureaus, meaning your TransUnion, Equifax, and Experian scores could be impacted.

How much it lowers your score depends on your overall credit profile. For instance, the more hard inquiries your report has, the more damage an inquiry can do.

Unless you get them removed, hard inquiries will stay on your report for two years, affecting your score less as time goes by.

Get a Free Copy of Your Credit Report

How to Remove R Us Credit Card from Your Credit Report

You may be able to get a hard inquiry off your credit report with the tips below.

Dispute the Hard Inquiry with Synchrony and the Credit Bureaus

Worried that R Us Credit Card is on your report by mistake?

If you haven’t applied for a Toys R Us credit card from Synchrony Bank, you should try to dispute the inquiry.

Once a hard inquiry or other negative mark is added to your report, you’ve got 30 days to dispute it.

When you send a validation letter to SYNCB, they’ll have to furnish evidence of your credit card application.

If the entry was added to your report in error, asking the bank for validation could help you to get it removed quickly.

You may also send a letter of dispute to the credit bureaus.

Since disputing debts and credit inquiries is time-sensitive, you should keep a close eye on your credit score so you’ll be aware of changes as they occur.

Signing up for a monitoring service could be beneficial, notifying you when your credit report is hit with a hard inquiry.

Get the Inquiry Removed by a Credit Repair Company

The best way to get a hard inquiry off your credit report may be to pay for a professional credit repair service.

A credit repair specialist can handle your case from top to bottom, analyzing your credit report to get to the root of your issues.

They’ll work hard to improve your score, dealing with a wide range of credit problems like:

They’re experts at boosting low credit scores, disputing debts and inquiries, and ensuring accurate reporting.

Ads by Money. We may be compensated if you click this ad.AdAds by Money disclaimer
Find Locally Licensed Credit Experts
Fixing your credit is hard work, but a Credit Expert can make it easier! Select your state to get started
HawaiiAlaskaFloridaSouth CarolinaGeorgiaAlabamaNorth CarolinaTennesseeRIRhode IslandCTConnecticutMAMassachusettsMaineNHNew HampshireVTVermontNew YorkNJNew JerseyDEDelawareMDMarylandWest VirginiaOhioMichiganArizonaNevadaUtahColoradoNew MexicoSouth DakotaIowaIndianaIllinoisMinnesotaWisconsinMissouriLouisianaVirginiaDCWashington DCIdahoCaliforniaNorth DakotaWashingtonOregonMontanaWyomingNebraskaKansasOklahomaPennsylvaniaKentuckyMississippiArkansasTexas
Contact a Credit Saint Expert

Getting R Us Credit Card SYNCB Deleted from Your Report

A credit card application might not wreck your credit, but it can hurt your score.

If you’ve applied for a Toys R Us credit card from SYNCB, you can relax knowing that it will be off your report within 2 years.

But if the entry is on your report as the result of a reporting error, there are a few simple steps you can take to get the hard inquiry deleted sooner.

Consider working with one of our picks for the best credit repair companies to improve your credit and build up your financial credibility.

As a general disclaimer, the information in this article is not meant to substitute as legal advice or used to endorse any company. If you find yourself in a bind with any financial services company, please seek out legal counsel from a legitimate law firm.


Meet the Experts’s staff of editorial writers have spent hundreds of hours conducting research, interviewing industry experts, and reviewing the products and services out there to help inform and educate our readers.

Learn More About Our Team