You Deliver Next-Gen Credit Products. We Make it Easier by Transforming the Way You Do It.

Access better data, expand lending opportunities, and champion more equitable credit—all from one solution.

Connect

Leverage our next-gen infrastructure to access real-time, multi-bureau credit data from a single point of access.

Unlock

Turn everyday customer payments into a credit-building engine that expands your addressable market and fuels long-term growth.

Furnish

Compliantly report loan repayment and payment behaviors across the credit ecosystem easily and with over 700 validation checks for accuracy.

Smarter Decisions Start Here

Access a 360° view of creditworthiness and the ability to report compliantly back to the credit bureaus.

Trusted by the world’s leading financial institutions

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See What You Can Build with Bloom Credit’s Transformative Infrastructure

Achieve more with a financial data infrastructure designed to expand access and strengthen credit outcomes.

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Drive Smarter Credit Decisions

Access comprehensive, accurate, validated credit data— ready to power better decisions.

Report Credit Data Accurately—Without the Operational Burden

Meet furnishing requirements (Metro 2®, XML) without building or maintaining custom pipelines.

Transparent, Flexible Pricing for Every Stage

Whether you’re a startup launching new lending products or a scaled platform optimizing spend, our platform offers pay-as-you-go and pay-as-you-grow pricing.

Proven at Scale

Used by top fintech lenders to support high-volume, compliant credit programs.

“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.”

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Jaspreet ChawlaNavy Federal

“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

“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

“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

“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

“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

Better Underwriting. Smarter Lending. A Stronger Credit Ecosystem.