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What is TJXRewards/SYNCB on My Credit Report?

Have you seen an entry from TJXRewards/SYNCB appear on your credit report?

It’s probably because you applied for a credit card with retailers such as TJ Maxx, HomeGoods, Marshalls, HomeSense, or Sierra Trading Post.

The letters SYNCB refer to Synchrony Bank which backs credit card accounts for this family of stores.

Any time you apply for a credit card — whether it’s a store card or otherwise — you’ll see a hard credit inquiry appear on your credit reports.

One or two hard inquiries shouldn’t hurt your score, but if you apply for cards routinely, your score will start to drop.

Read on to learn more about how hard inquires work and to learn how to get the entry off your credit report if you didn’t apply for a TJX Rewards card.

TJXRewards/SYNCB On My Credit Report

If you’re a frequent shopper at TJ Maxx, you’re probably familiar with TJX Rewards, the name of the retailer’s rewards credit card program.

Chances are when you check out at the register, the clerk will tell you about the rewards certificates you could earn by becoming a cardholder.

But you may be less familiar with SYNCB, even though the name belongs to a popular bank.

Synchrony Bank is a large national bank that offers a range of products and accounts, from checking and savings to retirement accounts.

They also have partnerships with major retailers nationwide like TJ Maxx to provide rewards credit cards.

When you apply for a TJ Maxx credit card, the bank will inquire about your score, resulting in the TJXRewards/SYNCB entry on your report.

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 to Remove TJXRewards/SYNCB from Your Credit Report

In some instances, you might be able to get a hard inquiry deleted from your report, assuming you didn’t actually apply for the store card yourself.

Here’s how.

Send a Letter of Dispute to Synchrony Bank and the Bureaus

If you didn’t apply for a TJX Rewards credit card, your score shouldn’t suffer for it.

If you’re seeing TJX Rewards or Synchrony Bank on your credit file and you didn’t apply, it’s possible someone else is applying for credit in your name.

It’s also possible TJX Companies, Inc. reported the inquiry by mistake.

When you suspect identity fraud or a reporting error, you should always notify the lender and the credit bureaus as soon as possible.


By law, you have 30 days to dispute a hard inquiry if you believe it is on your report by mistake.

You’ll need to mail a letter to the bank and the credit bureaus disputing the entry.

The lender will have to provide details about your credit card application or have the inquiry dropped.

Since you have only a limited amount of time to dispute a negative entry, it’s important to keep a close eye on your credit.

You can get a free copy of your credit report at, and you can check your credit regularly with free credit monitoring services like Credit Sesame and Credit Karma.

A platform like Credit Karma will alert you to any changes to your score, notify you of hard inquiries, and even tailor recommendations for improving your score with loan and credit card offers you’re likely to be approved for.


Credit reporting errors cause headaches, but identity theft is even worse.

Someone who has your Social Security number and other personal information could apply for a TJX Rewards Platinum Mastercard without your knowledge.

Your credit score would be wrecked before you even know about the identity theft.

In this case, you’ll need to call the police, freeze your credit, and then start writing dispute letters to the credit bureaus and credit issuers who approved the credit cards in your name.

Pay for Credit Repair Services

In some cases, hiring a professional credit repair company may be your best choice.

These companies can dispute inaccuracies on your report and get them removed.

But they’re capable of handling more than just inaccurate inquiries.

Credit repair companies can tackle bigger credit issues, providing you with a personalized plan for improving your score — and restoring your credit after identity theft.

Some of the issues they can help out with include:

Whatever is bringing down your score, a credit repair company can help.

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

How long an inquiry stays on your credit report — and how much it impacts your score — depends on a handful of factors.

For starters, there are two kinds of inquiries, called hard and soft pulls.

  • A soft pull happens when you go online to check your score, compare quotes for a loan, or get pre-approved for loan offers.
  • A hard pull occurs when you complete the application process for a loan or a credit card, allowing the lender to see your actual credit report.

Seeing your credit report tells lenders how you’ve used credit so they can decide whether to approve your application for credit.

The lender might get a copy of your report from one or more of the credit bureaus, meaning any or all of your scores could be impacted.

Hard vs. Soft Pull: How They Impact Your Credit

While a soft credit check doesn’t affect your score at all, a hard credit check will stay on your report for two years.

A hard credit inquiry may lower your score by a few points, but it can do more damage if you have several hard inquiries spread across several months.

That’s why it’s important to limit your applications for new lines of credit. You should check the approval odds before applying for a card or loan to limit the effect on your score.

And if you’re applying for a particular type of loan, like a mortgage, try submitting all of your applications within a 14-day period so your score won’t be hit multiple times.

Get a Free Copy of Your Credit Report>>>

Getting TJXRewards/SYNCB off Your Credit Report

The good news is, a typical credit card application should have only a minor impact on your score.

Even more good news: if you never applied for a TJ Maxx store card from Synchrony, you should be able to get the entry off your report with a simple dispute letter.

However, if your credit report is teeming with hard inquiries and other damaging entries, it’s still possible to turn your score around.

There are plenty of ways to improve your credit, from paying for services that report your timely utility and rent payments, to paying down high-interest accounts and keeping your credit card balance low.

And if you need assistance, there are a handful of stellar credit repair companies out there ready to take on your case.


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