In fact, it’s even possible the account is still active if Synchrony Bank transferred it to a different company when Toys “R” Us shut down. R Us Credit Card SYNCB will remain on your report for the full 7–10 years even though Toys “R” Us is no longer in business. Even if you canceled it, R Us Credit Card SYNCB can stay on your credit report for 7 years (if the account was delinquent due to missed payments) to 10 years (if the account was in good standing). R Us Credit Card SYNCB will appear on your credit report if you previously had a Toys “R” Us credit account. Note that you usually can’t remove a hard inquiry early unless the bureau added it to your report by mistake. Hard inquiries usually lower your credit score by several points, but the effect won’t last more than a year, and the inquiry will fall off your credit report entirely after two years. Thankfully, soft inquiries won’t affect your credit score. For example, if you received an unsolicited offer letter in the mail for a credit card issued by Synchrony Bank, then they may have triggered a soft inquiry during the prequalification process. Soft inquiries: These show up on your credit report when someone checks your credit but you’re not actually in search of new credit.For example, if you applied for a Toys “R” Us credit card, Synchrony Bank probably triggered a hard inquiry when reviewing your application. Hard inquiries: These generally appear on your credit report when you apply for new credit, such as credit cards, store cards, or installment loans.This type of credit check can appear as a hard inquiry or a soft inquiry. You’ll see R Us Credit Card SYNCB on your credit report if Synchrony Bank ran a credit check to determine whether or not to extend credit to you. Here are some reasons why R Us Credit Card SYNCB might be on your credit report: It’s possible for it to show up even if you never had a Toys “R” Us credit account. R Us Credit Card SYNCB can appear on your credit report for a number of reasons, some negative and some harmless. Why is R Us Credit Card SYNCB on my credit report? We’ll discuss the reasons (both legitimate and fraudulent) that R Us Credit Card SYNCB might be on your credit report in more detail in the next section. If you’re certain that there’s activity on your credit report under R Us Credit Card SYNCB that shouldn’t be there, it’s possible you’ve been the victim of identity theft. If they’re on your credit report, it probably indicates that you had an account with them or they checked your credit at some point. Synchrony Bank is a legitimate organization (and so was Toys “R” Us, when they were in business). Get a Free Consultation Is R Us Credit Card SYNCB a scam? Orlando, FL 32896-5035 Phone Number: (866) 419-4096 Website: Disputing an incorrect entry on your credit report can be stressful and difficult. If you want to remove R Us Credit Card SYNCB or RUS Credit Card SYNCB from your credit report, write to Synchrony Bank's address: As the largest issuer of private-label credit cards in the nation, Synchrony Bank partners with dozens of companies in an array of industries. SYNCB may appear on your credit report if you have an account with one of Synchrony Bank’s affiliates. “GECRB” stands for General Electric Capital Retail Bank, one of Synchrony Bank’s names before it became independent of General Electric in 2015. In the past, this inquiry may have appeared on your credit report as one of the following: Since Toys “R” Us filed for bankruptcy in 2017 and closed all of its US locations, these cards are no longer issued. 1 The Toys “R” Us store card and Toys “R” Us Mastercard could also be used at the affiliated brand Babies “R” Us. Toys “R” Us, a toys, games, and baby products retailer, first partnered with Synchrony Bank in 2012 to offer two credit cards. The first part stands for a credit card from Toys “R” Us, and the second part stands for Synchrony Bank, a large financial company. R Us Credit Card SYNCB is an acronym that can appear on your credit report. What is R Us Credit Card SYNCB on my credit report? How to remove R Us Credit Card SYNCB from my credit report.How does R Us Credit Card SYNCB affect my credit score?.Why is R Us Credit Card SYNCB on my credit report?.What is R Us Credit Card SYNCB on my credit report?.
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