Which credit bureau does Synchrony Bank (store cards) pull?
Short answer TU TransUnion (varies by state)
Varies by retail partner and state. Recent CreditBoards data points lean TransUnion.
Confidence: Low: thin or conflicting data · 12 dated data points (0 in the last 12 months) · Updated 2026-10-17
What the data points show
Counts bureaus across individual user-reported data points since 2023. A single application can pull more than one bureau.
What other trackers say
- finbarrow (as of 2026-06-18): Equifax / Experian; varies widely by retail partner and state.
- CardRight (as of 2023-05-15): Usually TransUnion.
These are secondary summaries. Some are years old (see the "as of" date). Each one is linked so you can check it yourself.
Data points by date
| Card | Source | ||||
|---|---|---|---|---|---|
| FL | TU | Rooms to Go (Syncrony Bank) Personal |
Approved | CreditBoards CreditPulls (user-submitted record) | |
| FL | TU | Lowes/issued by Synchronicity Personal |
Approved | CreditBoards CreditPulls (user-submitted record) | |
| NH | TU | Amazon Synchrony Personal |
Approved | CreditBoards CreditPulls (user-submitted record) | |
| NY | TU | Synchrony (Amazon Store Card) Personal |
Approved | CreditBoards CreditPulls (user-submitted record) | |
| MD | TU | Synchrony Bank / Chevron Texaco Card Personal |
Approved | CreditBoards CreditPulls (user-submitted record) | |
| TX | TU EX | Synchrony eBay Mastercard Personal |
Approved | CreditBoards CreditPulls (user-submitted record) | |
| TX | TU | Synchrony Verizon Visa Personal |
Approved | CreditBoards CreditPulls (user-submitted record) | |
| CA | EX | SYNCB/PAYPAL CREDIT CARD paypal master card Personal |
Approved | CreditBoards CreditPulls (user-submitted record) | |
| TX | TU | Venmo Synchrony Visa Signature Personal |
Approved | CreditBoards CreditPulls (user-submitted record) | |
| CA | EX | synchrony-lenovo Personal |
Approved | CreditBoards CreditPulls (user-submitted record) | |
| AZ | EX | Verizon/Synchrony Bank Personal |
Approved | CreditBoards CreditPulls (user-submitted record) | |
| CA | TU | Synchrony/Venmo Personal |
Approved | CreditBoards CreditPulls (user-submitted record) |
Highlighted rows are from the last 12 months. Data points are self-reported by applicants on public forums and may be wrong or incomplete. We link every one to where it came from.
By state
| State | Bureau counts |
|---|---|
| AZ | EX: 1 |
| CA | EX: 2 TU: 1 |
| FL | TU: 2 |
| MD | TU: 1 |
| NH | TU: 1 |
| NY | TU: 1 |
| TX | EX: 1 TU: 3 |
FAQ
Which credit bureau does Synchrony Bank (store cards) pull?
Varies by retail partner and state. Recent CreditBoards data points lean TransUnion. In StackScout's 12 dated, sourced data points since 2023, Experian appears 4 times, TransUnion appears 9 times. Confidence: Low: thin or conflicting data.
Does Synchrony Bank (store cards) pull a different bureau depending on my state?
Public data points suggest the bureau can vary by state (and sometimes by card or channel). Check the state filter below, and remember that one report is just one report.
Can I find out which bureau Synchrony Bank (store cards) will pull before I apply?
Not with certainty. Issuers don't publish this, and it can change. Recent data points from your state are the best signal. Afterward, the new hard inquiry on your credit reports shows which bureau was pulled.