Why is gecrb jcp written on my credit reports?

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I just checked my credit report and it shows the code gecrb jcp. I wonder if thats one of my cards.

This question is about Credit Scores

WalletHub, Financial Company

@WalletHub • 08/30/18 This answer was first published on 07/03/17 and it was last updated on 08/30/18.For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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“GECRB JCP” is the code used by credit bureaus for old JCPenney (JCP) credit cards, issued by General Electric Capital Retail Bank (GECRB). GECRB changed its name to Synchrony Bank in 2015.

So if you own a JCPenney Store Card that was issued before 2015, that would explain why “GECRB/JCP” is listed on your credit report. If that’s the case, you may also see a “SYNCB” notation and an account marked as ‘new,’ signifying the change in issuer.

But if you’ve never owned a JCPenney card or you believe this is a mistake, you can dispute it through one of the credit bureaus. You may also want to check out WalletHub’s tips for what to do if you spot an unauthorized account or credit inquiry on your report.

Finally, you can sign up for free on WalletHub, where you can get daily credit score and report updates as well as 24/7 credit monitoring. This way, you’ll know about important credit changes as soon as they happen.

Triss Cassidy, Member

@cass_triss • 12/01/17 This answer was first published on 12/01/17. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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JCP is JCPenney, but it should show SYNCB/JCP, it's Synchrony.

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