Non-Traditional Tradeline Reporting
Transform Payments Into Progress
Turn on-time bill payments into tradelines that improve credit visibility—and keep customers coming back.
Reward Responsible Payment Behavior
Enhance Underwriting with Data that Reflects Today’s Financial Reality
Create More Lending Opportunities
Bring Credit Worthiness into Focus—with Data that Reflects Real Life
Expand lending opportunities by enriching credit files with verified, real-world payment behavior.
Give Credit Where Credit Is Due—No Additional Debt Required
Enable consumers to report recurring payments like rent, phone bills, and subscriptions—strengthening credit profiles without adding new debt.
Increase Customer Retention Through Credit-Linked Benefits
Reward users for recurring payments by helping them build credit history. Transform your service into a long-term value driver, not just a bill.
Expand Lending Opportunities with More Inclusive Risk Profiles
Bloom+ is the only platform providing financial institutions with the ability for their customers or members to provide up to 5 distinct recurring payments as trade lines. The result: stronger underwriting and credit improvement opportunities for all consumers—especially underserved segments.
Power Embedded Credit Features
Enable personal finance, budgeting, or B2B fintech apps to embed tradeline reporting as a feature. Create value for users while expanding your data footprint.
Lead With the Carrot, Not the Stick—and Give Credit Where Credit Is Due
Connect to the transformative consumer permissioned credit data infrastructure that’s changing the face of credit.
Credit Data that Reflects Today’s Consumer
Make more informed decisions with data that captures creditworthiness across a broader range of consumers, even those traditionally excluded.
Smart Data. Smart Decisions. Smart Growth.
Whether incoming or outgoing, clean, validated data leads to more accurate decisions, broader credit access, and better outcomes for everyone.
Compliant, Reliable Tech–On Demand
Power next-gen credit experiences with the consumer credit data infrastructure that simplifies compliance and de-risks integration and operations.
Consumer Permissioned Data for Greater Visibility
Expand access and improve credit outcomes by reporting bill payments, rent, and subscriptions—helping consumers build credit with the data that reflects their real financial lives.
