SYNCB/LOWES on a credit report is a Lowe’s store credit card account reported by Synchrony Bank, the bank that issues it. The card was long known as the Lowe’s Advantage Card and is now the MyLowe’s Rewards Credit Card; either way the tradeline carries Synchrony’s SYNCB abbreviation rather than the Lowe’s name. If you opened a Lowe’s card for a project, the entry is probably accurate. If you never opened one, or the balance, dates, or payment history 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/LOWES is
The Lowe’s consumer card is a Synchrony Bank private-label card usable at Lowe’s stores and lowes.com, according to the cardholder agreement Synchrony publishes and independent card reviews that track the 2024 renaming from Lowe’s Advantage to MyLowe’s Rewards. Synchrony expanded the partnership in 2026 with a business card, so a contractor’s account can also appear under a Synchrony descriptor. The card offers either a purchase discount or promotional financing on large purchases, and the financing is deferred-interest — interest assessed from the purchase date if the balance is not cleared by the deadline — which produces balance surprises months later. Synchrony’s other store-card codes are decoded on our Synchrony Bank page.
Why a SYNCB/LOWES entry can be wrong
Home-improvement cards are opened at the register in the middle of a large purchase, and the paperwork errors that follow are predictable: an account opened in a spouse’s or a contractor’s name, a business purchase reported on a personal file, a promotional balance reported with interest the customer disputes. An account you never opened 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. Accounts paid off or closed sometimes keep reporting, and a SYNCB inquiry you never authorized is covered in our post on unauthorized credit inquiries.
When the installation goes wrong: billing errors and the credit report
Many Lowe’s card balances pay for something that has not happened yet: an appliance to be delivered, a floor to be installed, a fence to be built. When the work is not done as agreed, two federal credit-card rules limit what Synchrony may report. First, a charge for property or services you did not accept, or that were not delivered as agreed, is a billing error (12 C.F.R. § 1026.13(a)(3)). Send written notice to the billing-error address on your statement so that it arrives within 60 days after the first statement showing the charge; Synchrony must acknowledge it within 30 days and resolve it within two complete billing cycles, and in no event later than 90 days (§ 1026.13(b)–(c)). While the dispute is pending, it may not make an adverse report about your credit standing, or report the amount as delinquent, because you did not pay the disputed amount (§ 1026.13(d)(2); 15 U.S.C. § 1666a(a)).
Second, if Lowe’s will not resolve the problem, you may assert against the card issuer the claims and defenses you have against the store, and withhold payment of the disputed amount, provided you made a good-faith attempt to resolve it with Lowe’s, the purchase was more than $50, and it was made in your home state or within 100 miles of your mailing address (15 U.S.C. § 1666i(a); 12 C.F.R. § 1026.12(c)). While you withhold it, Synchrony may not report that amount as delinquent until the dispute is settled or a judgment is entered (§ 1026.12(c)(2)). A late payment reported in breach of either rule is worth disputing with the bureaus and with Synchrony, with your dispute letters attached.
An account opened in a spouse’s name, or in both
Register applications often involve two people, and the federal rule on how a shared account is reported is specific. Under Regulation B, a creditor that furnishes credit information must designate a new account to reflect the participation of both spouses if the applicant’s spouse is permitted to use it or is contractually liable on it, other than as a guarantor, surety, endorser or similar party, and must do the same for an existing account within 90 days of a written request from either spouse. Once an account is designated that way, the creditor must furnish the information so that the credit bureau can provide it in the name of each spouse (12 C.F.R. § 1002.10(a)–(b)). The rule explains why a SYNCB/LOWES line can appear on a spouse’s file, and it lets either spouse ask in writing for an existing account to be reported in both names. It does not reach someone who was neither permitted to use the account nor liable on it: an account reported in that person’s name is a reporting error to dispute.
How to dispute a SYNCB/LOWES 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 MyLowe’s Rewards cardholder agreement, disputes about information reported to the credit bureaus go to Synchrony Bank, P.O. Box 71727, Philadelphia, PA 19176-1727; confirm that against your own agreement or statement, because Synchrony has changed its dispute boxes before. Lowe’s card customer service is 1-800-444-1408, according to Synchrony’s Lowe’s partner page. 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/LOWES sits alongside SYNCB/PPC, SYNCB/CARECREDIT, and SYNCB/AMAZON on our Synchrony Bank page, next to the THD/CBNA Home Depot line, 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 October 2026.