In America, credit isn't just a number — it's a key to a better financial tomorrow. This series will explore the stories of the people, products and partnerships that are expanding credit access, because at Synchrony, we see credit as a catalyst for opportunity.

• Accelerate opportunities for tens of millions of Americans so they can build a healthier financial future and access things that matter to them,
• Drive growth and vitality for hundreds of thousands of small to mid-sized businesses and iconic brands Americans rely on, and,
• Build a stronger, more accessible economy to help support and lift up our local communities.

Join us as we spotlight the people and technologies providing more opportunity through credit and shaping tomorrow’s financial landscape.

A Second Look

The credit system is effective at assessing consumers with long credit histories, but not so much for people early in their credit journey or those whose traditional credit files are thin or nonexistent. Credit scores summarize past borrowing behavior. Cash flow signals can show a more current view of ability to repay and unlock access for more creditworthy Americans.

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Financial Stress Is a Women’s Health Crisis

Through their “Financial Health is Women’s Health” campaign, Synchrony and Savvy Ladies are spotlighting a reality many women live every day.

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Beyond the Score

Synchrony PRISM combines innovative technology with a deeper understanding of creditworthiness, analyzing thousands of data points in under six seconds to see beyond traditional credit scores. PRISM delivers faster, smarter credit decisions that expand access for millions of Americans. By capturing the full financial story, PRISM helps unlock opportunities and build healthier financial futures.

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Empowering Financial Futures

Through strategic partnerships, grants, and an employee-led Financial Literacy Service Corps, Synchrony is equipping teachers, students, and communities with the tools to make smarter financial decisions, creating a ripple effect that will shape America’s economic future.

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Unlocking Financial Freedom

For many Americans, a Synchrony credit card is the first step toward financial opportunity. Store cards provide accessible entry points to the credit system for people often overlooked by traditional lenders, helping them build credit history and demonstrate responsible use. By establishing this credit foundation, people gain access to major milestones like homeownership, starting a business, and better rates on loan and insurance.

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More Than Your Score

Traditional credit scoring leaves millions of Americans behind. PRISM, Synchrony’s innovative proprietary underwriting approach, evaluates thousands of financial indicators beyond traditional credit scores, including factors like steady employment and consistent payment histories. Qualified Americans now have expanded access to credit options, while safeguards prevent overextension.

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Power Through Knowledge

What if you could see exactly how a financial decision would affect your credit score before you make it? Complex credit concepts do not have to feel overwhelming. Synchrony’s financial education tools make that possible through interactive platforms and hands-on community programs. Combined with local advocates bringing practical guidance to neighborhoods, these resources empower individuals to make sound financial decisions in their everyday lives.

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Building Healthier Financial Lives

Credit is a catalyst for opportunity. Meet the Americans using Synchrony to tackle major life transitions, handle unexpected emergencies, and achieve goals once out of reach. From seizing new opportunities to achieving their dreams, these experiences reflect how credit access empowers people to pursue the milestones that strengthen their futures.

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