Credit Advice

Have a question? Have advice to share? The combined knowledge and experience of everyone in the Credit Karma community can help you. Enter your question or help others below to get started!

Question

Posted in Credit Karma
Profile Image

Question By
LST62

0 Contributions
0 People Helped
Hi, I have a hard credit inquiry on my report from SYNCB.
I did not authorize, initiate, or contact these people at all. I think someone has opened up credit in my name. Please help.I am very concerned about this. How could this happen and what should I do? Thank you Credit Karma to alerting me to this.

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW
All Responses

Results 1-10 of 18Results per page: 5 | 10 | 25Page 1 of 2   Previous | Next
1 Contribution
3 People Helped
Most Helpful Response

What good is this?!

Helpful to 3 out of 3 people

What purpose is served in having this question/answer forum if the questions are never answered?!

The issue of the hard inquiry initiated by SYNCB is asked time and time again, by numerous users.  But, is not answered once!!  How is this supposed to help anyone?!

Reply by
Arakcheev

1 Contribution
3 People Helped
Helpful to 3 out of 3 people

Synchrony Capital Bank is one of the largest retail credit issuers. Everyone seems to use them from small furniture stores, vets and auto repair centers to large hospitals, and stores like walmart. If you had to finance dental work or your daughters prom dress you got from JCP, you likely had your clerk check your worthiness with SYNCB without you realizing it was that bank (formaly GE Capitol Money Bank.)  The question is asked many times over and every questions you will see responces. Heck my old Sam's club discover that I let expire turned into SYNCB with they changed names and I got hit with an account inquiry myself.

1 Contribution
6 People Helped

Helpful to 6 out of 9 people

I did not apply for this credit card please contact me immediately on what I need to do

1 Contribution
2 People Helped

Helpful to 2 out of 2 people

i had this ran when I had to go to the hospital. It was for a medical only credit card. So pharmacy, dr office, hospital, vet .. Things of that nature. 

Reply by
Veronica817

1 Contribution
1 Person Helped
Helpful to 1 out of 2 people

Aha! Makes sense now.

Thanks!

1 Contribution
1 Person Helped

Syncb

Helpful to 1 out of 1 people

I did not give permission to this company to run a credit check I do I check to see.why an stop this from happening again

Credit Karma Team
Top Contributor
2949 Contributions
5128 People Helped

Helpful to 12 out of 15 people

Hi LST, Synchrony Bank is the new name for GE Capital Retail Bank. This bank issues many retail credit cards for stores like JC Penney, Lowe's and more. Have you opened a retail credit card lately? If not, you'll need to get a full copy of your credit report (free on Credit Karma at https://www.creditkarma.com/myfinances/creditreport) and initiate a dispute with the bureau. 

Reply by
kaitiebuggz

1 Contribution
5 People Helped
Helpful to 5 out of 6 people

What other retail stores are their

1 Contribution
1 Person Helped

SYNCB

Helpful to 1 out of 1 people

I have a hard hit from this entity as well. I do not knaow who this is! It's extremely suspect.

2 Contributions
7 People Helped

IRATE over credit inquiry!

Helpful to 5 out of 7 people

I know I didn't, yet they have an inquiry on my credit report. I heard you can sue them if you didn't initiate the inquiry. How do we go about that?

Reply by
cierarenee

1 Contribution
2 People Helped
Helpful to 2 out of 4 people

hey i have a care credit card.. works for the vet mainly but can be used for a few other things... thats what it is for me. i totally freaked at first to though haha.

1 Contribution
0 People Helped

walmart syncb account opened

I did not authorize this to be opened. My identity has been stolen  I have a fraud alert on my credit account. I did not authorize this.

.  

Reply by
SA04

2 Contributions
0 People Helped

Hi, I also have walmart and I didn't do it, did you find out what to do and how to fix? Looking for answers and any tips can help. Thank you

1 Contribution
1 Person Helped

Hard Inquiry from SYNCB

Helpful to 1 out of 2 people

I suddenly had a listing on my checking account from SYNCB for $0 and the next day it was gone.  Now I see a Hard Inquiry from them.  If this indeed is Capital One, I only clicked on a link for information from them through Credit Karma.  I don't believe I didn't hit any "submit" button.  Not right for them to do this.  Can I fight the hard hit?  

1 Contribution
0 People Helped

SYNCB

Hi, I have a report from SYNCB. I have never owned a credit card before and do not plan on getting them. I believe my own mother has opened up an account in my name without my permission by using my ssn. What do i need to do in order to find out more information on this and what actions do i need to take to have this removed? It doesn't have any information on it besides SYNCB

Reply by
davidsf444

2 Contributions
1 Person Helped
Helpful to 1 out of 1 people

I also have an inquiry from SYNCB/Marvel which I never solicited.  I need to investigate and complain.

Results 1-10 of 18Results per page: 5 | 10 | 25Page 1 of 2   Previous | Next

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW

Reply to this Question

Write your response:
Enter Your Comments

The Credit Advice pages of the Site may contain messages submitted by users over whom Credit Karma has no control. Credit Karma cannot guarantee the accuracy, integrity or quality of any such messages. Some users may post messages that are misleading, untrue or offensive. You must bear all risk associated with your use of the Credit Advice pages and should not rely on messages in making (or refraining from making) any specific financial or other decisions.