when does synchrony bank report to credit bureaus

Instead, the timing is typically tied to your individual billing cycle. Generally, Synchrony will report your account activity to the major credit bureaus—TransUnion, Equifax, and Experian—shortly after your monthly statement closes.

myFICO

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Synchrony reporting dates - myFICO® Forums - 4760862

October 3, 2016 - Synchrony in particular can and ... date (when you planned to pay it down to zero), yet Synchrony mysteriously reports it to the bureaus 3 days after the purchase....

WalletHub

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What Credit Bureau Does Synchrony bank use for Approval?

October 8, 2025 - Yes, Synchrony Bank does a hard inquiry on your credit report whenever you apply for one of its credit cards. A hard inquiry usually results in a slight decrease in an applicant's credit score, but the effect only lasts for a short period of time.

Help Me Build Credit

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List Of Which Credit Bureau Each Bank Pulls - Help Me Build Credit

April 24, 2025 - Synchrony Bank will usually pull your Transunion credit report. See real-time data in our Credit Card Database. TD will usually pull your Experian credit report. See real-time data in our Credit Card Database. US Bank will sometimes pull your Experian credit report, but they will usually pull your Transunion credit report when you apply for business cards. If you frequently apply for credit cards, first freeze your IDA/ARS bureaus ...

Synchronybank

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What Is a Credit Score & Why Is It Important?

July 1, 2024 - The three credit bureaus—Equifax, Experian and TransUnion—also offer free access to your credit reports on their websites. If you have a credit card from Synchrony Bank, you can get your free VantageScore credit score based on your TransUnion credit report with monthly updates.

Synchrony

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What To Do If You Think You Find A Mistake On Your Statement:

include a copy of that report. We may report information about your · account to credit bureaus.

Fcra

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08 Synchrony Bank on Your Credit Report? Fight Back and Win | Fair Credit

If you're getting calls from 08 Synchrony Bank, or you see them listed on your credit report, in theory, you owe them money, but that's not always the case. Debt collectors can and do get things wrong when contacting consumers and reporting information to the credit bureaus, the three main of which are Experian, Equifax, and TransUnion.

WalletHub

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When Does the Synchrony Premier Card Report to Credit Bureaus?

March 23, 2022 - The Synchrony Premier card reports the card’s credit limit, account balance, payment history, and more to all three of the major credit bureaus: Experian, TransUnion, and Equifax. Synchrony Bank may use a specific credit bureau more than another, depending on the applicant’s home state, ...

Synchrony Business

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THINGS TO KNOW ABOUT CREDIT AND CASH MANAGEMENT FOR YOUR SMALL BUSINESS

Drive more traffic, increase sales, and build customer loyalty by offering customer financing. Learn how Synchrony can support your business.

MyBankTracker

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Which Credit Report Does Synchrony Bank Pull?

April 15, 2025 - Synchrony Bank is a major issuer for store-branded credit cards offered by companies such as American Eagle, The Gap, Banana Republic, eBay, and Sam’s Club. When you apply for a card from Synchrony, the lender is most likely to check your credit report from TransUnion. In fact, Synchrony uses TransUnion nearly exclusively. Though all three credit bureaus use your financial activities as the basis for their reports about you, there is the possibility that each bureau will have slightly different details and scores.

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reddit.com › r/credit › what credit reports does synchrony bank pull?

r/CRedit on Reddit: What credit reports does Synchrony bank pull?

April 26, 2021 -

So I received a Verizon Visa prequalified approval email. So I followed through and applied. I was denied and just received the reason why.

" Lack of real estate secured loan information Average time since accounts opened is too recent Too few bankcards with high credit limits Average time since revolving accounts opened is too recent Number of inquiries on credit report "

Also it says my credit score is 639. Witch is not anywhere near accurate. I have a new credit profile 6 months and some change. I just received my Fico scores last week and was approved for a Amex DG card their report shows my Fico score at 737. Even my Vantage scores on Credit Karma are showing a range of 708-713. All my Fico scores ranges are 713-737. So I dont understand where the hell they pulled this information from. Like are they pulling a report from 2+ months ago or what? If so that is DUMB.

Top answer

1 of 5

I think they pull Vantage 4? No way I know of to get that score unfortunately. It’s different from Vantage 3 which you get from Credit Karma

2 of 5

Yes, it’s Vantage 4 from TU. The scoring model for that is a bit different than FICO or Vantage 3.

Extremely Influential- Total Credit Usage, Balance and Available Credit.

Highly Influential- Credit Mix and Experience.

Moderately Influential- Payment History.

Less Influential- Age of Credit History.

Less Influential- New Accounts.

In my personal circumstances, my Vantage 4 scores are actually a bit higher than FICO and Vantage 3 because I’ve opened a lot of new accounts in the past year, which Vantage 4 doesn’t really care about. They do love that I have like 100k in available credit lol.

Synchrony is kind of an odd duck for using that scoring model.

Credit.com

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

July 17, 2025 - In November 2017, PayPal announced that it reached an agreement to sell consumer credit receivables to Synchrony Bank. This included the debts that customers owed PayPal at the time via their lines of credit. Synchrony Bank now reports account activity to the major credit bureaus, which then shows up on your credit report.

The Financial Brand

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Inside Synchrony's Home Brewed, Six-Second Credit Approval Process

August 4, 2025 - Beyond those factors, Axler says credit scores have been impacted by credit score improvement programs that use methods such as granting credit and reporting it to bureaus, but not actually advancing the funds to the "borrower." "It immediately increases your score," says Axler, but not in a way that Synchrony considers desirable.

Synchrony Business

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Synchrony Bank Your Credit Report(s) and the Price You ...

consumer reporting agency indicated in this notice directly to verify the information. ... RBP Notice Rev. 06/01//2014 ... A credit report is a record of your credit history.

myFICO

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I am really UPSET!! Synchrony Bank already reported to the Credit Bureaus!!

October 29, 2023 - I opened this Amazon Secured Card for $200 on 10/12/23. I was told just like my other 2 credit cards, Synchrony Bank will report to the 3 bureaus a few days after my statement is cut. That date for me is November 2nd.

Synchrony

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Credit Score

Both reward good financial habits that go unrecognized by current credit scoring models, but they require disclosing data on banking habits. By federal law, everyone can access a free credit report and score from each credit bureau once a year through annualcreditreport.com.

Credit Karma

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SYNCB/PPC: Why Is It on My Credit Report? | Credit Karma

April 4, 2025 - Some people report that their old PayPal Credit or Bill Me Later accounts are now appearing on their credit reports for the first time. So why the change? When PayPal Holdings owned these accounts, it was likely not reporting on them to the bureaus. Now that Synchrony Bank has taken the accounts on, it seems that they’re getting reported to the bureaus.

Synchrony

synchrony.com › blog › banking › how-credit-card-helps-credit

8 Ways Credit Cards Could Help or Hurt Your Credit Score - Synchrony Bank

September 5, 2023 - At that point, the card issuer sends your credit statement and bill to you and sends an update to the credit bureaus. Your bill is often due around three weeks later. But, even if you pay in full, your credit report will still have the reported ...

reddit.com › r/creditcards › credit report as authorized user for synchrony bank

r/CreditCards on Reddit: Credit Report as Authorized User for Synchrony Bank

November 10, 2020 -

My wife is an authorized user on our CC through Synchrony Bank. As an authorized user, they added the information to her credit report within 14 days of being listed. Fast forward 4 years, we ran into issues(covid and loss of employment), and racked up debt on our CC to stay afloat. I don't want her score to be impacted as this is my card and my responsibility. We agreed and removed her as an authorized user. Will synchrony bank remove all history of this card from her credit report like they added it when she was setup as an authorized user? If so, how long?