SYNCB/CARECREDIT — sometimes shortened to SYNCB/CARECR — on a credit report is a CareCredit account reported by Synchrony Bank. CareCredit is the healthcare financing card offered at dental offices, veterinary clinics, eye doctors, and cosmetic and medical practices, and because Synchrony issues it, the tradeline carries the bank’s SYNCB abbreviation rather than the name on the card. If you financed a procedure with CareCredit, the entry is probably accurate. If you never opened the account, or the balance, dates, or late payments are wrong, the FCRA lets you dispute it with the bureaus and directly with Synchrony, and holds Synchrony responsible for what it reports.
What SYNCB/CARECREDIT is
CareCredit is a Synchrony Bank credit card accepted at healthcare and veterinary providers rather than general retailers, according to CareCredit’s own cardholder pages and independent consumer-finance coverage; it is one of Synchrony’s largest programs and reports to the bureaus like any revolving account. Its distinctive feature is deferred-interest promotional financing — “no interest if paid in full within 6, 12, 18, or 24 months” — which means a balance that is not cleared by the deadline is retroactively charged interest from the purchase date. That mechanism produces a specific kind of credit-report surprise: a balance that jumps months after the procedure. Synchrony’s bureau abbreviation, and the rest of its store-card codes, are decoded on our Synchrony Bank page.
Why a SYNCB/CARECREDIT entry can be wrong
CareCredit applications are often taken at the provider’s front desk, sometimes for a family member’s treatment or a pet’s surgery, which produces accounts opened in the wrong person’s name and balances that belong to someone else. An account you never applied for points to identity theft; an account belonging to a relative or a stranger with a similar name can attach to your file as a mixed credit file. Deferred interest assessed after a promotional period can be reported as a balance you dispute; a provider refund that never posted can leave a balance reporting as owed; and accounts paid off or closed sometimes keep reporting. Medical-purpose financing also carries a particular sting, because the same account can appear again under a collector’s name once it is charged off.
How to dispute a SYNCB/CARECREDIT account
Pull all three bureau reports and note the account fragment, open date, and balance on each. Dispute in writing with every bureau reporting the item — our credit dispute letter guide covers the format — and send a direct dispute to Synchrony. According to the current CareCredit cardholder agreement, disputes about information reported to the credit bureaus go to Synchrony Bank, P.O. Box 71757, Philadelphia, PA 19176-1757; confirm that against your own agreement or statement, because Synchrony has changed its dispute boxes before, and do not send the dispute to the payment address. CareCredit customer service is 1-866-893-7864, listed on both CareCredit’s and Synchrony’s contact pages. Under 15 U.S.C. § 1681s-2(a)(8) a furnisher must investigate a dispute sent directly to it, and under § 1681s-2(b) it must investigate the dispute a bureau forwards, within 30 days either way. Keep everything, including a bureau result that comes back “verified” — that letter is the evidence.
When it becomes a legal claim
A furnisher that keeps reporting an account as yours after a written dispute, or verifies a wrong balance without checking its own records, violates the FCRA’s furnisher duties; a bureau that keeps the item after a dispute violates its own duty to reinvestigate. Both are compensable: actual damages for the credit denied or the rate you paid, statutory and punitive damages where the violation is willful, and attorney’s fees, which is why we handle these cases on contingency. SYNCB/CARECREDIT sits alongside SYNCB/PPC, SYNCB/AMAZON, and SYNCB/LOWES on our Synchrony Bank page and in our creditors and lenders directory — and our credit report dispute lawyer practice covers what happens after the dispute fails.
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Published by The Kim Law Firm, LLC — about attorney Richard Kim. Last updated September 2026.