verify.syf.com – What is Synchrony Verify?
First of all, there’s a reason why Synchrony Bank is often referred to as Stinkrony Bank. They are generally a subprime lender with one or two decent products. But their management and staff are all third world.
Stinkrony’s process is all automated. When they pull your credit bureau report — almost always TransUnion — they look for two things. One thing they look for is your creditworthiness. They look to see if the raw data on your credit report indicates you are an acceptable credit risk for them. They also check their own internal files to see if they have had any past experiences with you and whether those experiences were positive or negative.
Additionally, they use your credit report to confirm your identity. Occasionally, this identity verification fails due to incorrectly entered information on the application. For instance, you may have made a blunder in your SSN, date of birth, or street address. One tiny error could prove fatal.
Credit reports aren’t always 100% accurate. One of the addresses displayed on your credit report will likely be your present residence. Perhaps the address you provided on your application is either not present or is identified as a former residence in your credit reports.
Is the address you used on your application a PO Box? A business address? A commercial mail reception agency? The credit bureaus flag these addresses and notify the potential creditor that pulls your credit report.
Another thing that Stinkrony is noted for is using your IP address. Were you using a VPN? I have seen Stinkrony decline applications because someone from, say, Los Angeles submitted their application from a San Francisco IP address.
I know you don’t like it when you apply for something you are actually highly qualified for, but in this case Stinkrony did you a favor. They are an unreliable lender and the PayPal Credit product is garbage. It has low limits, no rewards and ties you into PayPal. You are better off using your credit card and earning cash back.
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.
