About Us

The Transformative Infrastructure Behind the Future of Credit

The credit ecosystem is evolving. Bloom Credit is building the infrastructure behind the next generation of credit access.

Credit data is fragmented and deeply complex. Most organizations lack the resources to navigate bureau integrations, data formatting, and compliance. Even well-equipped organizations often lack access to critical signals of financial health.

Traditional credit data doesn’t tell the whole story. It’s simply not inclusive enough. It often overlooks key behaviors that reflect real ability to repay and presents a skewed picture of creditworthiness.
We’re changing that.

Bloom is rewiring how companies access, use, and furnish credit data, all the way back to the coding and first principles level.”

Christian WidhalmCEO

Bloom Credit provides the credit data infrastructure and strategic relationships that make it easy to access and furnish inclusive, accurate credit data without the red tape and compliance headaches. That’s the starting point.

The real transformation lies in how we power consumer permissioned data.

We enable FIs to report recurring payment data in checking accounts, like rent, utilities, and Telco payments. In turn, customers build credit from everyday payments, and Financial Service companies of all kinds improve stickiness, engagement, and access to new markets. It’s how financial institutions stay competitive and relevant in a rapidly changing market.

We believe consumer permissioned data is at the center of the credit ecosystem. We’re here to help you unlock it. To underwrite smarter. To personalize financial products and detect risk earlier. To grow while giving credit where credit is due.

Ultimately, we believe access to credit—and the infrastructure that powers it—shouldn’t be locked behind legacy systems or multi-year integrations. Bloom Credit helps you move faster and serve members and customers better. Most importantly, we’re bringing more transparency to the credit ecosystem.

We’re proud to be the engine behind smarter credit experiences—and better credit outcomes—for everyone.