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. 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. 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 appear on your credit report if you previously had a Toys “R” Us credit account. Note that you usually can’t remove a hard inquiry early unless the bureau added it to your report by mistake. 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. Thankfully, soft inquiries won’t affect your credit score. 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.
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