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.
What If Credit Bureaus Were Built in 2025?
BlogIt’s easy to take for granted the credit infrastructure that underpins much of the global economy. For decades, credit bureaus…
Navy Federal offers members a debt-free path to credit
Press“as published by American Banker. Article found Here“ Members of Navy Federal Credit Union can now build their credit scores…
Navy Federal Credit Union Reimagines Checking Accounts, Providing an All-in-One Banking Experience and New Innovative Features
PressVIENNA, Va. (APRIL 7, 2025) – Navy Federal Credit Union, a trusted financial partner for military members and their families, reveals checking…
Bloom+ Wins Best in Show at Finovate for Revolutionizing Credit Access
BlogWe’re thrilled to announce that Bloom+ won the prestigious Best in Show award at FinovateSpring for its innovative approach to…
How Gen Z is inspiring a reinvention of banking
PressOriginally published by Master Card. Gen Z is demanding personalization, transparency and digital-first solutions when it comes to managing their…