No. of Recommendations: 3
2) I have not applied for credit with Synchrony bank or any other bank in well over a year.

I would head straight to checking your credit report to ensure that nobody else has applied for credit in your name.

You can do a free annual check of your credit at all 3 major credit bureaus at You can also get free credit reports from and several others, but these typically only provide reports from one, or maybe 2 of the major credit bureaus, so you will need to go to more than one site to look at all 3.

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