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Michelle Romero: Michelle.Romero@syf.com Tyler Allen: Tyler.Allen@syf.com
Article
December 18, 2025, 9:00 AM EST
Read time: 5 minutes
Using the expertise of our employees, our community-focused corporate initiatives, and our consumer products, Synchrony is committed to pursuing innovative financial and credit education for all.
One of our products, CreditViewTM, benefits both our partners and consumers in helping to provide that literacy and support. This comprehensive financial dashboard provides customers with 24/7 access to a snapshot of their personal credit history, interactive credit score tools and a robust credit education library. While this product is currently offered for select Synchrony partners, there are plans for future rollouts to broaden access.
In today’s complex and fast-paced world, financial literacy and credit education are more important than ever. Bringing this type of support into businesses to enable connection with consumers is a powerful way to build credibility while having a positive impact on our communities. Understanding how to effectively manage money and credit is essential for achieving both personal and professional goals. Unfortunately, many people struggle to access these basic skills, which can lead to increased debt, stress, and hardship.
With access to the right tools and education, consumers can make more informed choices about money and credit, even in complex financial environments—choices that could help to avoid unnecessary debt and build towards a financially secure future. This also includes understanding different types of credit. Using credit and being clear on how debt impacts personal finances go hand-in-hand. Q2 2025 TransUnion data shows that the average credit card debt per borrower is over $6,400; that’s a $526 increase—or, just over an 8% jump—from Q2 2023. That jump in debt shows that while spending may be up, it’s unclear as to if consumers are understanding how to both manage the debt all while making needed purchases. With the right financial education and support, partners can play an important role in aiding consumers in managing credit usage as they spend, as well as understanding important credit card terms This support can also help build partner credibility, repeat purchase per partner and decrease account defaults.
Credit education includes understanding how a credit score is calculated, what factors influence it and how a credit report affects borrowing power. It also empowers consumers to use credit wisely, secure better loan rates, qualify for housing, and even land a job, as employers often check credit reports.
At Synchrony, we believe that demystifying the risks of low financial and credit literacy can have a positive impact on helping consumers understand how to borrow and buy responsibly. Some of those risks include:
Synchrony’s CreditViewTM Dashboard, offered in partnership with TransUnion, is a sophisticated yet accessible platform that transforms traditional credit monitoring into an interactive learning experience. The CreditViewTM Dashboard dismantles this black box through its innovative credit score tools. The Score Simulator allows users to preview how different financial decisions might impact their credit score before making them. With the CreditCompass tool, users can set credit score goals and get tailored recommendations on how to reach those goals within a set timeframe.
“We’re seeing a fundamental shift in how people engage with their credit scores,” explains Kiara Hinton, who leads the initiative for Synchrony. “It’s no longer about hands-off monitoring; it’s about active learning and informed decision-making.”
Considering applying for that new credit card? Thinking about paying off a car loan early? The simulator shows the potential impact instantly, transforming abstract financial concepts into concrete outcomes that users can visualize and understand.
Additional partner benefits include:
What truly sets CreditViewTM apart is its emphasis on actionable insights. Rather than simply highlighting problems, the platform provides specific, practical steps users can take to build their credit health—turning knowledge into power.
This initiative represents a significant evolution in how financial organizations approach consumer education. By merging technology, data science, and user-centered design, Synchrony has created an environment where learning about credit becomes an engaging and empowering experience rather than an intimidating task.
As financial landscapes grow increasingly complex, tools that bridge the knowledge gap become essential. Hinton believes the future of credit education is active, not passive: “Through tools like CreditViewTM, we’re helping people move from being observers of their credit health to becoming architects of their financial future.”
As a Synchrony partner, you can play a vital role into building financial and credit literacy in your community, all while supporting your business growth.
Here are a few benefits that you’ll encounter by embracing our tools and support:
Financial literacy and credit education are not just “nice-to-haves”—they are essential skills for navigating the modern world. The more you know about your business and the ever-evolving financial landscape, the better informed you can be in supporting the consumer journey.
Synchrony remains committed to providing the tools and support to help both partners and consumers thrive. Choosing a financial collaborator to help build financial insights and acumen supports the development of a stronger, better financial future for all.
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