Bloom Credit delivers real-time consumer permissioned data, consumer credit data, bureau furnishing, and dispute management via one developer-friendly infrastructure.
Leverage our next-gen infrastructure to access leading commercial credit bureaus, bank feeds, and alt-data sources.
Turn everyday customer payments into a credit-building engine that expands your addressable market and fuels long-term growth.
See the full financial picture: access real-time cash flow, income streams, balances, and transaction histories to underwrite smarter, detect risk earlier, and offer personalized financial products.
Help your users build credit automatically. Compliantly report repayment behavior to major credit bureaus via turnkey Metro 2® and XML pipelines—without the complexity.
Transform onboarding, underwriting, and monitoring with fast, accurate credit signals without building custom integrations or vendor-specific logic.
Receive, route, and resolve credit disputes with built-in workflows that meet FCRA standards. Keep customers—and regulators—happy.
Your customers are looking to you for the future of financial services. Let us help you build it.
Bloom handles the heavy lifting on data access, compliance, and bureau integrations so you can go from idea to live credit offering in weeks—not months.
Approve more customers, price risk better, and drive long-term value. Transform embedded lending, BNPL, or credit-builder features with smarter data and real-time insights.
Offer instant approvals, seamless onboarding, and transparent credit tools that users trust—and stick with.
Furnish positive repayment behavior back to bureaus and help your users build better credit over time. Happier customers. Higher retention. More lifetime value.
