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What is TJRewards/SYNCB on My Credit Report?

Did you find an inquiry from TJXRewards/SYNCB on your credit report?

If TJXRewards/SYNCB is on your report, it’s probably because you applied for a credit card with TJ Maxx.

Depending on how many you have, hard inquiries could have a substantial impact on your score.

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


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.

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

Synchrony 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, with whom they issue 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.

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

How long an inquiry stays on your 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 offers.

A hard pull is more invasive. It occurs when you complete the application process for a loan or a credit card, allowing the lender to see your actual credit report.

Your credit report paints a clearer picture of how you’ve used credit in the past to help lenders determine whether or not they should approve your application.

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

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

This type of credit inquiry usually lowers your score by a few points, but it can do more damage if you have several inquiries.

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

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.

Here’s how.

Send a Letter of Dispute to Synchrony and the Bureaus

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

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

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

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

While you can only obtain one free copy of your credit report a year at, you can check your credit regularly with free credit monitoring services.

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

Pay for Credit Repair Services

In some cases, hiring a professional credit repair company may be the wisest course of action.

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

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

Credit repair companies can tackle bigger credit issues, providing you with a personalized plan for improving your score.

Some of the issues they can help out with include:

  • Bankruptcy
  • Charge offs
  • Collections accounts
  • Foreclosures
  • Judgment
  • Late payments
  • Liens
  • Repossession

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

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Getting TJXRewards/SYNCB off Your Credit Report

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

Even more good news: if you never applied for a TJ Maxx 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.