Power Smarter, Real-Time Credit Experiences

Transforming the Financial Ecosystem With Fairer, Faster, Smarter Credit

Bloom combines robust infrastructure with deep credit expertise to help financial institutions, fintechs, and platforms stay relevant and drive better outcomes for everyone.

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Trusted by the world’s leading financial institutions

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Transformative Infrastructure.
Better Credit Outcomes.

Bloom Credit provides the tech and trusted data that help credit unions, banks, and fintechs stay relevant and serve people more fairly and intelligently.

Grow With Precision

Make confident lending decisions—even for those with thin credit files.

Deploy in Weeks, Not Months

Access clean, connected, validated consumer credit data to go to market fast.

Increase Relevance and Trust

Help consumers access better, fairer credit outcomes with smarter underwriting.

Decide With Confidence, Not Risk

Tap into our accurate, validated data to make informed credit decisions with clarity and control.

Powering Consumer-First Financial Innovation

Driving Financial Innovation with a People-First Approach

Our modern, compliant infrastructure is designed for simplicity and scalability, allowing you to focus on what matters most: your consumers.

Link to: Bloom+
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Bloom+
From Everyday Banking to Credit-Building Engine

Transform recurring payments for rent and utilities in a checking account into seamless credit-building tradelines for your members or customers.

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Furnishment
Credit Data Reporting, Simplified

Convert raw data into Metro2-compliant files and furnish to all three bureaus without the technical lift.

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Link to: Credit Data Access
Data Access
Complete Credit Visibility

Access tri-bureau credit data via a single API built for underwriting, personalization, or seamless app integration.

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Credit Dispute Management
Streamlined Dispute Management

Manage credit disputes effortlessly, efficiently, and compliantly.

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Helping Financial Innovators Advance Credit With Clarity and Confidence

Bloom partners with industry leaders to forge a smarter credit ecosystem.

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Credit Unions

Lend more inclusively and intelligently while helping members build credit.

Banks

Build more innovative products, access better data, and report with confidence—all with the compliance and control you need.

B2C Fintech Companies

Launch more intelligent credit experiences fast, unlock new revenue, and fuel engagement.

B2B Fintech Companies

A compliant, ready-to-deploy infrastructure for building smarter credit tools.

Property Management Companies

Improve on-time payments and strengthen tenant relationships with infrastructure that helps renters build credit.

Why Bloom Is the Smart Choice for Credit-Driven Innovation

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.

Accurate, Validated Consumer Credit Data

Our infrastructure combines external financial data that has been validated by consumers to ensure your data is accurate and actionable.

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“The Bloom+ tool provides our members with a powerful way to impact their finances and build credit history, via online and mobile banking,” said Jaspreet Chawla, senior vice president of savings. “Our members have the opportunity to easily report their payment history to credit bureaus, giving them a valuable tool to enhance their financial well-being.”

Navy Federal
Jaspreet ChawlaNavy Federal
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“At TransUnion, we know that consumers want to play a more active role in their financial journeys. The consumer permissioned data reporting that Bloom+ enables, provides a more holistic view into financial obligations millions of consumers meet every month and may not be reflected in traditional credit data. It’s a huge step forward in driving more confident lending and empowering consumers,” said David Goldberg, senior vice president at TransUnion.

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David Goldberg TransUnion
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“Today, more than ever, the communities we serve need access to affordable credit,” said Jim Merrill, CEO of Inspire Federal Credit Union. “Bloom Plus gives our members and the communities we serve the critical ability to demonstrate their creditworthiness in new ways.”

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Jim MerrillInspire Credit Union
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“Integrating Imprint’s card management system to Bloom couldn’t have been simpler. They have intuitive APIs, clear documentation, and knowledgeable people available to help if needed. The Bloom platform is clearly designed for scale, able to handle our largest card portfolios without issue.”

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Patrick ShubertImprint
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“Bloom made it easy to jump start our credit bureau integration, and their level of support has been amazing on both tech and ops.”

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Andy NguyenKarat
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“Partnering with Bloom Credit significantly reduced the burden of handling consumer credit disputes, allowing us to focus on growing our business,” said Reza Rahman, President of Ava Finance.

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Reza RahmanAva Finance
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Stay Relevant. Grow Smarter.

Enhance your member or customer experience, improve credit outcomes, and expand your reach through more intelligent consumer credit data.

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