Credit Builders
Give Credit Where Credit Is Due—Without Added Complexity
Fuel credit access and financial mobility with a transformative data infrastructure and unmatched data integrity.
Faster Time-to-Market
Simplified Compliance
Scalable Infrastructure
Power Modern Credit-Building Tools with Validated, Inclusive Data
Fill data gaps and assess creditworthiness more accurately. Reach and serve more customers confidently.
Turn Everyday Payments into Credit Visibility
Enable users to build credit history through rent, utilities, telco and other recurring payments—all directly from linked deposit accounts. Expand access to thin-file or no-file consumers while providing a seamless experience that drives financial progress and trust in your product. Immediately improve credit for subprime and near-prime borrowers with new tradelines that have up to 24 months of history.
Offer Credit-Building Products with Confidence
Leverage traditional scores along with real-time, consumer permissioned data to better assess risk for secured cards, installment loans, or other credit-building products. Go beyond traditional scores to personalize approvals and support long-term user growth.
Power Credit Growth with Metro 2® Compliant Credit Reporting
Help consumers build stronger credit histories through accurate, compliant data reporting. Our scalable furnishment solutions support credit builders in delivering measurable financial progress.
Access Reliable Credit Data, Direct from the Bureaus
Tap into traditional credit bureau data to strengthen credit-building products, confidently assess risk, support informed decisions, and pair bureau insights with alternative data for a fuller consumer profile.
Make Credit Work for More People
Leverage consumer permissioned data to better understand financial behavior and serve overlooked borrowers more effectively.
Reach More Credit-Invisible Consumers
Access payment data, like rent, utilities, and recurring account activity, to serve thin-file users who traditional credit models often exclude.
Make Smarter, More Inclusive Credit Decisions
Use up-to-date, permissioned data to evaluate creditworthiness more accurately, and support fair approvals without taking on unnecessary risk.
Drive Engagement Through Tangible Progress
Give users real-time credit-building feedback through embedded rent reporting and payment tracking—boosting motivation, retention, and loyalty.
Streamline Compliance and Data Access
Get the data you need through an infrastructure built with compliance in mind, so that you can focus on product innovation, not red tape.
