Bloom combines robust infrastructure with deep credit expertise to help financial institutions, fintechs, and platforms stay relevant and drive better outcomes for everyone.
Bloom Credit provides the tech and trusted data that help credit unions, banks, and fintechs stay relevant and serve people more fairly and intelligently.
Make confident lending decisions—even for those with thin credit files.
Access clean, connected, validated consumer credit data to go to market fast.
Help consumers access better, fairer credit outcomes with smarter underwriting.
Tap into our accurate, validated data to make informed credit decisions with clarity and control.
Our modern, compliant infrastructure is designed for simplicity and scalability, allowing you to focus on what matters most: your consumers.
Transform recurring payments for rent and utilities in a checking account into seamless credit-building tradelines for your members or customers.
Convert raw data into Metro2-compliant files and furnish to all three bureaus without the technical lift.
Access tri-bureau credit data via a single API built for underwriting, personalization, or seamless app integration.
Manage credit disputes effortlessly, efficiently, and compliantly.
Bloom partners with industry leaders to forge a smarter credit ecosystem.
Lend more inclusively and intelligently while helping members build credit.
Build more innovative products, access better data, and report with confidence—all with the compliance and control you need.
Launch more intelligent credit experiences fast, unlock new revenue, and fuel engagement.
A compliant, ready-to-deploy infrastructure for building smarter credit tools.
Improve on-time payments and strengthen tenant relationships with infrastructure that helps renters build credit.
Bloom drives trust, speed, and growth to help you serve your members or customers better. We know better credit outcomes benefit the entire credit ecosystem, so we designed our infrastructure to help financial data work smarter without sacrificing simplicity or compliance.
Our infrastructure combines external financial data that has been validated by consumers to ensure your data is accurate and actionable.
Extra Credit: A Financial Podcast- Episode 35, “Rewiring Credit Furnishment for a New Era” with Christian Widhalm
This podcast originally posted on TransUnion’s website October 28, 2025. Christian Widhalm, CEO of Bloom Credit, joins the latest episode…
Suncoast eyes member credit growth with Bloom+
Originally published on bankingdive.com “Credit’s always been this chicken-or-the-egg,” said Bloom Credit CEO Christian Widhalm. “If you don’t have credit,…
Bloom Credit Teams Up with Suncoast Credit Union to Help Members Build Credit Without Debt
New partnership gives 1.3 million members a simple way to report everyday bills and strengthen their credit profiles—right from their…