What is SYNCB/PPC and Why is it on My Credit Report?

What is SYNCB/PPC and Why is it on My Credit Report?

Credit reports, in essence, are comprehensive documents that detail your credit history. They include information about your credit accounts, repayment history, and any outstanding balances. A credit report is a vital tool used by lenders, insurers, and employers to assess your financial credibility. Understanding your credit report and its various components is crucial to maintaining good financial health.

Each credit report consists of several sections, including personal information, credit history, public records, and inquiries. Personal information includes your name, address, social security number, and employment history. The credit history section details your credit accounts, payment history, and outstanding balances. The public records section includes bankruptcies, foreclosures, and tax liens. Lastly, the inquiries section lists everyone who has requested your credit report.

It's not uncommon to come across unfamiliar terms or entries when reviewing your credit report. One such term that often leaves people puzzled is SYNCB/PPC. If you've spotted SYNCB/PPC on your credit report and are unsure what it signifies, this article is for you.

What is SYNCB/PPC?

SYNCB stands for Synchrony Bank, a consumer financial services company known for providing financing and credit card services to a wide range of retail businesses. PPC, on the other hand, represents the PayPal Credit Card. Synchrony Bank is the issuer of the PayPal Credit Card, hence the term SYNCB/PPC.

The PayPal Credit Card, like any other credit card, allows cardholders to make purchases and pay for them over time. It's often used for online transactions due to the ease and convenience that PayPal provides. If you've ever applied for or used a PayPal Credit Card, it's likely that SYNCB/PPC will appear on your credit report.

How SYNCB/PPC Appears on Your Credit Report

SYNCB/PPC appears on your credit report when you open a PayPal Credit Card account. It's listed under the section detailing your open credit accounts. The entry includes details about the account, such as the date it was opened, the credit limit, the current balance, and the payment history.

Even if you've never used your PayPal Credit Card, the account will still appear on your credit report. This is because opening a credit card account automatically creates a record on your credit report, regardless of whether the card is used or not.

In some cases, you may see SYNCB/PPC on your credit report even if you don't recall opening a PayPal Credit Card. This could be due to a mistake, identity theft, or a forgotten account.

Reasons for SYNCB/PPC on Your Credit Report

There are several reasons why SYNCB/PPC may appear on your credit report:

  1. You opened a PayPal Credit Card: This is the most common reason. If you've applied for and received a PayPal Credit Card, SYNCB/PPC will be listed on your credit report.
  2. Identity theft: If someone else has applied for a PayPal Credit Card using your personal information, SYNCB/PPC will show up on your credit report.
  3. Credit report errors: Mistakes do occur on credit reports. If SYNCB/PPC is on your credit report and you've never opened a PayPal Credit Card, it may be due to a credit report error.

The Impact of SYNCB/PPC on Your Credit Score

SYNCB/PPC on your credit report can impact your credit score, depending on how you manage the account. If you make your payments on time and maintain a low balance, the PayPal Credit Card can help improve your credit score.

However, if you miss payments or max out your credit limit, SYNCB/PPC can negatively impact your credit score. Late payments and high credit utilization rates are two of the most significant factors that lower credit scores.

Remember, even if you close your PayPal Credit Card account, the history of the account will remain on your credit report for up to ten years.

How to Deal with SYNCB/PPC on Your Credit Report

If you're managing your PayPal Credit Card responsibly, there's no need to worry about SYNCB/PPC on your credit report. However, if you find an unfamiliar SYNCB/PPC entry, here are some steps you can take:

  1. Verify the account: Contact Synchrony Bank to confirm the details of the account. They should be able to provide information about when and where the account was opened.
  2. Check for identity theft: If you didn't open the account, you might be a victim of identity theft. Review your credit report for other unfamiliar entries and consider placing a fraud alert on your credit file.
  3. Dispute the entry: If SYNCB/PPC is on your credit report due to an error, you can dispute the entry with the credit reporting agencies.

Removing SYNCB/PPC from Your Credit Report

Removing SYNCB/PPC from your credit report depends on the circumstances. If the entry is accurate, it will remain on your credit report for as long as the account is open and for ten years after it's closed.

However, if the entry is due to an error or fraud, you can dispute it with the credit reporting agencies. Provide them with any evidence you have to support your claim, and they'll investigate the issue.

If SYNCB/PPC is on your credit report due to identity theft, report the issue to the Federal Trade Commission and consider filing a police report.

Preventing SYNCB/PPC from Appearing on Your Credit Report

The best way to prevent SYNCB/PPC from appearing on your credit report is to avoid opening a PayPal Credit Card. If you already have one, manage it responsibly to maintain a positive credit history.

Regularly check your credit report for unfamiliar entries. If you find SYNCB/PPC or any other entry you don't recognize, take immediate action to resolve the issue.

Seeking Professional Help: Credit Repair Services

If you're having trouble dealing with SYNCB/PPC on your credit report, consider seeking professional help. Credit repair services can help you understand your credit report, dispute errors, and devise a plan to improve your credit score.

However, be wary of credit repair companies that promise quick fixes or guaranteed results. Repairing your credit takes time and requires diligent effort.


Having SYNCB/PPC on your credit report is not necessarily a bad thing. It becomes problematic only when it's associated with negative information like late payments or high balances. By understanding what SYNCB/PPC is and how to deal with it, you can take steps to maintain a clean credit report and a healthy credit score.

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