Synchrony Verify is the identity-verification process Synchrony Bank (the issuer behind many store and branded credit cards) uses when approving an application, resetting sensitive account details, or investigating potential fraud.

🔐 How Synchrony Verify Works

1. Credit Bureau Pull & Cross-Check
   Synchrony typically initiates a soft or hard credit pull, often via TransUnion, to both assess your creditworthiness and verify your identity based on your credit file (name, address, SSN, etc.).

2. Digital Identity Matching
   Your provided details (address, SSN, DOB) are matched against credit bureau records. Discrepancies—even a recent move—can stall or deny verification.

3. IP/Geolocation Validation
   Suspicious contexts—like applying from a VPN or different region—may trigger additional scrutiny.

4. Advanced Biometric Checks
   If standard checks are inconclusive, you may be asked to:

   • Upload photos or scans of your government-issued ID (e.g., driver’s license).

   • Record a short live video (e.g., 5 seconds, moving head side to side) to match your image to the ID, often via a secure mobile link

🛡️ Why It Matters

• Fraud Prevention – This layered verification helps stop stolen or synthetic identities from obtaining new cards.

• Security Compliance – Financial systems are required to confirm identities, especially when opening accounts or making changes.

• Risk Management – A mismatch at any stage may derail the application or require extra steps.

Synchrony Verify is a multi-step identity authentication process involving credit bureau checks, document uploads, IP assessment—and if needed—a brief live video. It helps prevent application fraud and ensures identity accuracy. While it can feel intrusive, it’s an increasingly common practice among financial institutions.

How to get Synchrony credit card

Synchrony is a major issuer of store-branded credit cards, and there are several ways to apply for a Synchrony credit card, depending on the card you’re interested in. Here are some of the most common methods:

In-Store: You can apply for a Synchrony credit card at participating retailers by filling out an application at the point of sale.

Online: You can visit the Synchrony website and search for the card you’re interested in. From there, you can follow the link to the card’s online application, where you’ll be asked to provide information such as your personal details, income, and employment information.

By Phone: You can call the customer service number listed on the Synchrony website and apply over the phone with a customer service representative.

Regardless of the method you choose, you will typically be required to provide information such as your personal details, income, and employment information, as well as the details of any co-applicants if you are applying with a joint account.

It’s important to carefully review the terms and conditions of the card you’re interested in before applying, and to make sure you understand any fees, interest rates, and rewards or benefits associated with the card. Additionally, you may want to compare different credit card offers from Synchrony and other issuers to find the card that best fits your needs.

Why was my identity verification attempt unsuccessful?

If your identity verification attempt was unsuccessful, it means that the information you provided did not match the authoritative sources we use for verification.

Unsuccessful verification attempts may be due to many reasons:

• You may have recently moved.
• You may have answered security questions incorrectly.
• Your credit report may be locked or frozen
• Your credit profile may contain erroneous information
• You may have already verified your identity with ID.me
• Your submission may have contained an error or typo
• You may have submitted expired documents.
• You may not have correctly taken and submitted a ‘selfie’.
• You may have submitted an unreadable document.
• You may have submitted a phone number that is not associated with your name and address.

We may be able to verify your identity in other ways. For example, if your next verification attempt is unsuccessful, look for the Verify identity on a video call button to complete a video chat with a Trusted Referee and complete your identity verification.