• Skip to primary navigation
  • Skip to main content
  • Skip to footer

FinanceJar

FinanceJar

Take the next step on your journey

  • Credit Scores
    • Get Free Credit Score
    • Get Your Free FICO Score
    • Credit Score Range
  • Credit Repair
  • Credit Reports
    • Credit Inquiries
  • Credit Cards
    • Credit Card Reviews
    • Best Credit Cards for Bad Credit
    • Fair Credit
    • No Credit
    • Building Credit
    • Secured
    • Unsecured
    • 0% Interest
    • No Annual Fee
    • Guaranteed Approval
    • No Credit Check
    • No Foreign Transaction Fee
    • Gas
    • Students
  • Debt
    • List of Collection Agencies
  • Loans
  • About Us
  • 24/7 Support:

    323-649-8707

Home Credit Reports Credit Inquiries R Us Credit Card SYNCB

R Us Credit Card SYNCB: What Is It and Why Is It on My Credit Report?

Credit report showing R Us Credit Card SYNCB inquiry

At a glance

  • R Us Credit Card SYNCB previously stood for Toys “R” Us/Synchrony Bank.
  • There are several possible reasons why it might appear on your credit report.
  • Here’s everything you need to know about this mark, why you’re seeing it on your credit report, and how to remove it.
  • R Us Credit Card SYNCB may be hurting your credit score.

Get expert help. Call now to remove R Us Credit Card SYNCB from your credit report.

Call (855) 318-9914 Tap to Call

Specialists available Monday to Friday, 10AM - 8PM EST.

Written by FinanceJar Team

Reviewed by Robert Jellison

Apr 1, 2022

Fresh advice you can trust

We promise to always deliver the best financial advice that we can. Our writers and editors follow strict editorial standards and operate independently from our advertisers and affiliates. Learn more about how we make money.

Table of Contents

  1. What is R Us Credit Card SYNCB on my credit report?
  2. Is R Us Credit Card SYNCB a scam?
  3. Why is R Us Credit Card SYNCB on my credit report?
  4. How does R Us Credit Card SYNCB affect my credit score?
  5. How to remove R Us Credit Card SYNCB from my credit report

What is R Us Credit Card SYNCB on my credit report?

R Us Credit Card SYNCB is an acronym that can appear on your credit report. The first part stands for a credit card from Toys “R” Us, and the second part stands for Synchrony Bank, a large financial company.

Toys “R” Us, a toys, games, and baby products retailer, first partnered with Synchrony Bank in 2012 to offer two credit cards. 1 The Toys “R” Us store card and Toys “R” Us Mastercard could also be used at the affiliated brand Babies “R” Us.

Since Toys “R” Us filed for bankruptcy in 2017 and closed all of its US locations, these cards are no longer issued. 2

Other names for this inquiry

In the past, this inquiry may have appeared on your credit report as one of the following:

  • RUS CREDIT CARD/SYNCB
  • SYNCB/TOYSDC
  • SYNCB/TYDC
  • GECRB/TYDC

“GECRB” stands for General Electric Capital Retail Bank, one of Synchrony Bank’s names before it became independent of General Electric in 2015. 3

Synchrony Bank’s other affiliates

SYNCB may appear on your credit report if you have an account with one of Synchrony Bank’s affiliates. As the largest issuer of private-label credit cards in the nation, Synchrony Bank partners with dozens of companies in an array of industries. 4

Synchrony Bank Contact Information

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:

Synchrony Bank logo

Address: P.O. Box 965035
Orlando, FL 32896-5035
Phone Number: (866) 419-4096
Website: www.synchronybank.com

Disputing an incorrect entry on your credit report can be stressful and difficult. Consider working with a professional.

Is R Us Credit Card SYNCB a scam?

No, R Us Credit Card SYNCB isn’t a scam. Synchrony Bank is a legitimate organization (and so was Toys “R” Us, when they were in business). 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.

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.

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.

Why is R Us Credit Card SYNCB on my credit report?

R Us Credit Card SYNCB can appear on your credit report for a number of reasons, some negative and some harmless. It’s possible for it to show up even if you never had a Toys “R” Us credit account.

Here are some reasons why R Us Credit Card SYNCB might be on your credit report:

1. Synchrony Bank checked your credit

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. This type of credit check can appear as a hard inquiry or a soft inquiry.

  • Hard inquiries: These generally appear on your credit report when you apply for new credit, such as credit cards, store cards, or installment loans. For example, if you applied for a Toys “R” Us credit card, Synchrony Bank probably triggered a hard inquiry when reviewing your application.
  • 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 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.

Thankfully, soft inquiries won’t affect your credit score. 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. Note that you usually can’t remove a hard inquiry early unless the bureau added it to your report by mistake.

2. You had a Toys “R” Us credit account

R Us Credit Card SYNCB will appear on your credit report if you previously had a Toys “R” Us credit account. 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 remain on your report for the full 7–10 years even though Toys “R” Us is no longer in business. 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. If this happened, it will still appear as a current credit account on your credit report, although it will probably appear under a different name, not as R Us Credit Card SYNCB.

3. You were added as an authorized user on someone else’s Toys “R” Us credit account

R Us Credit Card SYNCB can show up on your credit report if someone else added you as an authorized user to their own Toys “R” Us credit account in the past.

You might have been named as an authorized user by your:

  • Spouse
  • Child
  • Parent
  • Friend
  • Business partner

If someone designated you as an authorized user on their Toys “R” Us credit account, their activities on the account could have affected your credit score (either positively, if they managed the account well, or negatively, if they didn’t).

In fact, if the account is still active under a different name, it could still be affecting your credit. If you’ve ever been added as an authorized user to someone’s credit card, review your credit report and make sure you fully understand the current status of the account.

4. You’ve been a victim of identity theft

If you see a R Us Credit Card SYNCB hard inquiry on your credit report but you’re sure you never applied for a Toys “R” Us credit account, it could be a sign of identity theft.

If you think that R Us Credit Card SYNCB is on your credit report because someone previously tried to open fraudulent accounts in your name, take these steps:

  1. Contact the company that made the hard inquiry (which will be Synchrony Bank, unless they hired another company to perform the inquiry for them). Tell them you didn’t authorize the inquiry. Ask them for details (i.e., when and under what circumstances their records show the inquiry was authorized).
  2. Report the identity theft to the Federal Trade Commission (FTC). Go to www.identitytheft.gov and answer the questions to generate an identity theft report and recovery plan.
  3. Contact any of the three main credit bureaus (Equifax, Experian, or TransUnion) and have a fraud alert placed on your credit report. You only need to contact one of the bureaus; they’ll coordinate with the others, and your fraud alert will be acknowledged by all three.

You may also want to freeze your credit (or get a credit lock, which is very similar).

Carefully monitor your credit reports over the next few months for further signs of fraudulent activity.

How does R Us Credit Card SYNCB affect my credit score?

There are several ways that R Us Credit Card SYNCB can affect your credit score, depending on whether Synchrony Bank triggered an inquiry or managed one of your accounts.

Hard inquiries

As mentioned, a single hard inquiry will have a small, short-term effect on your credit, usually lowering your FICO score by up to five points and your VantageScore credit score by 5–10 points.

This effect is usually cumulative, so too many hard inquiries can really hurt your score. However, a single inquiry isn’t something to worry about—your credit score ranges from 300 to 850, which means 5 points in either direction isn’t significant.

Hard inquiries only affect your score for a few months to a year, and they drop off your credit report entirely after two years. Since Toys “R” Us is no longer in business, R Us Credit Card SYNCB is probably an old mark, which means it’s unlikely to be a hard inquiry.

Credit accounts

If you have a closed R Us Credit Card SYNCB account on your credit report, then it’s contributing to your credit score by influencing the following factors:

  • Payment history
  • Length of credit history
  • Credit mix

If the account was open, then it would also be contributing to your credit utilization rate (also known as your debt-to-credit ratio). However, open accounts aren’t likely to appear under R Us Credit Card SYNCB on your credit report because Toys “R” Us is no longer providing credit accounts.

How to remove R Us Credit Card SYNCB from my credit report

If you want to delete R Us Credit Card SYNCB from your credit report, then try one of the following approaches.

1. Send a dispute letter

If you see an item listed under R Us Credit Card SYNCB on your credit report that you suspect is a mistake, then you can dispute it by writing something known as a credit dispute letter.

You should send your letter to whoever you think the error originated with. You can send it to:

  • Synchrony Bank: Send your letter directly to them if you believe they made the original mistake (e.g., they reported a credit check to the bureaus that you never actually authorized).
  • The credit bureaus: Write to the credit bureaus if you believe the error originated witih them (e.g., they confused you with someone with a similar name or Social Security number).

Either way, it’s usually a good idea to send copies of the letter to both parties, the bureaus and your card issuer (Synchrony Bank). They may contact each other as they investigate the matter, and it’s important to make sure everybody has received the relevant information.

Credit dispute letter to credit bureau

Credit Dispute Letter to a Credit Bureau

If you think one of the credit bureaus added R Us Credit Card SYNCB to your credit report by mistake, use this credit dispute letter template to file a dispute directly with them. Send your letter to all of the bureaus that are reporting the mistaken hard inquiry or credit account.

Build My Letter Now PDF Word

Credit dispute letter to data furnisher

Credit Dispute Letter to Synchrony Bank

Use this letter if you think R Us Credit Card SYNCB is on your credit report because Synchrony Bank mistakenly reported a credit check or account to the bureaus. Address and send your letter to Synchrony Bank, not Toys “R” Us.

Build My Letter Now PDF Word

Once you’ve filed your credit dispute, the credit bureau will be required to investigate and correct any inaccurate information on your report, usually within 30–45 days.

2. Use a credit repair company

A credit repair company will act as a middleman between yourself and your card issuer (and the credit bureaus). They might be able to get a hard inquiry or another R Us Credit Card SYNCB item off your credit report by helping you gather evidence and handling all the required communication.

However, be wary of scammers. There are restrictions on the cost of credit repair—by law, credit repair companies are not allowed to charge you before they’ve helped you. If they ask for payment upfront, hire a different company.

Although hiring a credit repair company can save you some time and hassle in disputing items on your credit report, bear in mind that they can’t do anything for you that you can’t do yourself.

They also won’t necessarily be able to erase valid negative information or turn a bad credit score into a good credit score overnight. Think carefully before hiring a third-party company to get R Us Credit Card SYNCB off your credit report.

Takeaway: R Us Credit Card SYNCB can appear on your credit report for several reasons

  • R Us Credit Card SYNCB can appear on your credit report as a hard inquiry or as a closed credit account, either belonging to you or someone who has authorized you to use it.
  • How R Us Credit Card SYNCB will affect your credit score depends on your credit history and the status of the account.
  • You can get R Us Credit Card SYNCB off your credit report by sending a dispute letter to the credit bureaus and Synchrony Bank. Alternately, you can hire a credit repair company.

Other Common Inquiries

  • LexisNexis/INS/P&C
  • MONRO-DC/CBNA
  • Macys/DSNB
  • MicroBilt
  • NTB/CBNA
  • Regional Acceptance Corporation
  • RentGrow
  • SEARS/CBNA
  • STPC/CBNA
  • Samsclub/SYNCB

Article Sources

  1. General Electric. "GE Capital Retail Bank Announces New Agreement to Provide Credit Card Program for Toys"R"Us" Retrieved April 1, 2022.
  2. CNBC. "Toys R Us files for Chapter 11 bankruptcy protection" Retrieved April 1, 2022.
  3. General Electric. "GE Completes the Separation of Synchrony Financial" Retrieved April 1, 2022.
  4. U.S. Securities and Exchange Commission. "Synchrony Financial SEC CIK #0001601712" Retrieved April 1, 2022.

FinanceJar Team

Staff Writers & Editors

View Author

The FinanceJar Team is a group of financial experts, writers, and industry professionals who collaborate to bring you fresh and simple insights into your finances. They're dedicated to guiding you toward the right path on your financial journey.

Related Articles

Credit report showing SYNCB/PPC
Credit Inquiries

Nov 5, 2021

SYNCB/PPC: What Is It and Why Is It on My Credit Report?

SYNCB/PPC stands for Synchrony Bank/PayPal Credit. There are a few...

FinanceJar Team
Polar bear guarding credit report in ice, representing how to freeze your credit
Credit Reports

Sep 22, 2021

How to Freeze Your Credit

A credit freeze prevents prospective lenders and creditors from...

Samuel Osbourne
new credit card envelope does it hurt credit
Credit Scores

Oct 1, 2021

Does Opening a Credit Card Hurt Your Credit?

Opening a new credit card can hurt your credit score slightly in...

FinanceJar Team
Black car being repossessed which has an impact on credit
Credit Repair

Aug 5, 2022

How Long Does a Repo Stay on Your Credit?

A repossession takes 7 years to come off your credit report,...

FinanceJar Team
Gauge representing credit utilization rate
Credit Scores

Oct 6, 2021

Credit Utilization: What It Is and How It Affects Your Credit Score

Your credit utilization is the amount of your revolving credit that...

FinanceJar Team
Man disputing an item on his credit report with the credit bureaus
Credit Repair

Sep 13, 2021

How to Dispute an Item on Your Credit Report

If you suspect you have inaccurate information on your credit...

Victoria Scanlon
FinanceJar

Footer

Credit

  • Credit Scores
  • Credit Repair
  • Credit Reports
  • Credit Cards
  • Debt

Company

  • About Us
  • Contact Us

Legal

  • Terms & Conditions
  • Privacy Policy

Call Us

9AM – 9PM EST: 347-527-4868
24/7 Help Line: 323-649-8707

How We Make Money

We make money from advertising. We place links on our website to our affiliates, and when you click those links, our affiliates compensate us for it. Our relationships with our affiliates may affect which products we feature on our site and where these products appear in our articles.

Facebook Twitter Instagram TikTok YouTube LinkedIn Pinterest

© 2025 – ONR Financial Networks LLC – All Rights Reserved.

  • Credit Scores
    • Get Free Credit Score
    • Get Your Free FICO Score
    • Credit Score Range
  • Credit Repair
  • Credit Reports
    • Credit Inquiries
  • Credit Cards
    • Credit Card Reviews
    • Best Credit Cards for Bad Credit
    • Fair Credit
    • No Credit
    • Building Credit
    • Secured
    • Unsecured
    • 0% Interest
    • No Annual Fee
    • Guaranteed Approval
    • No Credit Check
    • No Foreign Transaction Fee
    • Gas
    • Students
  • Debt
    • List of Collection Agencies
  • Loans
  • About Us
  • 24/7 Support:

    323-649-8707

We hope this template helps you achieve your goals.

Would you please review us?

A review would mean a lot to us — and takes less than 20 seconds. Let us know what you think. Thanks!

Leave My Review

What you’ll get

  • Assess

    Fill in your information and we will securely pull your TransUnion credit report.

  • Address

    We challenge inaccurate negative items with the bureaus and your creditors.

  • Advise

    We will give you advice for how you can improve your credit. Don’t want to wait? Call us now.

Don’t want to wait? Call us!

Monday to Friday, 10AM - 7PM EST

FinanceJar

Get a FREE 5-minute credit consultation.

Get a credit improvement plan that works for you with 1 phone call.

What you’ll get

1
Assess

Fill in your information and we will securely pull your TransUnion credit report.

2
Address

We challenge inaccurate negative items with the bureaus and your creditors.

3
Advise

We will give you advice for how you can improve your credit. Don’t want to wait? Call us now.

This is completely secure and won’t hurt your credit score.

By clicking "Submit" I agree by electronic signature to: (1) be contacted about credit repair or credit repair marketing by a live agent, artificial or prerecorded voice and SMS text at my residential or cellular number, dialed manually or by autodialer, and by email (consent to be contacted is not a condition to purchase services); and (2) the Privacy Policy and Terms of Use.

Don’t want to wait? Call (888) 859-0871 now

FinanceJar

Advertising Disclosure

Some of our articles feature links to our partners, who compensate us when you click them. This may affect the products and services that we showcase in our articles and how we place and order them. It does not affect our evaluations of them, which our writers and editors create independently, without considering our relationships with our partners.

FinanceJar

Editorial Standards

We promise to always deliver the best financial advice that we can. That’s our first priority, and we take it seriously.

To ensure that our articles and reviews are objective and unbiased, our writers and editors operate independently from our advertisers and affiliates. Our writers do not take FinanceJar’s relationship with its affiliates into consideration when writing their reviews and articles.

Everything we publish is as accurate and as complete as we can make it. All of our articles undergo several rounds of fact-checking before we publish them, and we do our best to keep them as no-nonsense and jargon-free as possible while still delivering the information that you need.

We know that taking financial advice from us requires a lot of trust on your part. We’re grateful for that trust, and we won’t abuse it. Learn more about our editorial standards.

FinanceJar

How We Make Money

FinanceJar partners with other companies in the credit and finance industry, such as credit card issuers and credit repair companies.

We make money through advertising. Our pages feature links to our partners’ websites. If you click on one of those links, we get paid.

The links to our partners are always clearly marked. You’ll always be able to tell what you’re clicking. We’ll never try to trick you into clicking anything you’re not genuinely interested in.

That’s the only way that we make money. We don’t accept compensation in exchange for reviews or articles, and we don’t directly sell any products or services ourselves. Our editorial team operates independently (with no influence from our affiliates or our advertising team) so as to avoid compromising the objectivity of our reviews. Learn more about how we make money.