Credit Bureau+™: Go Beyond the Score
Instantly see the true, complete picture of every applicant. Leverage thousands of real-time data points to confidently approve more loans, stop fraud in its tracks, and eliminate loan stacking.
FCRA and ECOA Compliant with full reason codes.
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Trusted By:
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Traditional Bureaus Only Show You a Fraction of the Story.
Relying on outdated credit reports means you're making decisions with incomplete information. This leads to missed opportunities with Invisible Prime™ borrowers—those who are creditworthy but invisible by traditional scoring methods. It also unnecessarily exposes your portfolio to sophisticated fraud and high-risk lending practices such as loan stacking. Instead of being predictive, you're forced to be reactive.
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The Real-Time, 360° View You Need to Lend with Certainty.
Credit Bureau+™ is the new gold standard in credit decisioning. We synthesize data from traditional bureaus, non-traditional sources, the application itself, and our own proprietary insights from millions of scoring requests. The result is a multi-dimensional, real-time understanding of an applicant's trustworthiness, allowing you to make faster and more profitable lending decisions without increasing risk.
Three Pillars of Unmatched Insight
Truly Understand the Borrower
Go beyond a simple score. Our engine analyzes thousands of data points—from traditional credit and utility history to digital identity and banking behaviors—to deliver a holistic profile of every applicant's financial life and trustworthiness.
Prevent Loan Stacking with REAL-TIME Data
Eliminate the delays inherent in traditional reporting. Credit Bureau+™ provides an up-to-the-second snapshot of an applicant's activity, allowing you to see and stop loan stacking before it impacts your portfolio.
Automate Fraud & Compliance Checks
Greatly assist your KYC efforts. Our platform automates all fraud and compliance checks based on jurisdictional regulations, reducing manual work and risk.
Build the Exact Credit Report You Need.
Credit Bureau+™ isn't an all-or-nothing product. You have the power to pick and choose the specific attributes that matter most to your lending model.
Inquiry Attributes
Leverage crucial data pulled directly from the loan application itself to verify and cross-reference applicant information.
Fraud Behaviour
Utilize advanced signals and patterns to detect and flag suspicious behaviors commonly associated with first-party and third-party fraud.
Bank Behaviour & Attributes
Gain insight into an applicant's real-world financial habits, cash flow patterns, and banking history for a clearer picture of their stability.
Identity Attributes (SSN/SIN)
Verify core identity information tied to an applicant's Social Security Number/Social Insurance Number and other personal identifiers for foundational security.
Traditional Bureau Data
Incorporate the essential data points you're used to, including loan, credit, and utility history from traditional credit bureaus.
Credit Risk & Advanced Attributes
Deploy our most powerful, proprietary attributes. These forward-looking indicators leverage machine learning to assess creditworthiness in ways traditional models can't.
Lend with Total Confidence and Compliance.
Trust is at the core of everything we do. The Credit Bureau+™ platform is fully FCRA (Fair Credit Reporting Act) and ECOA (Equal Credit Opportunity Act) compliant.
Clear Reason Codes: Every decision is accompanied by transparent, easy-to-understand reason codes, ensuring you meet all adverse action requirements.
A Partner in Compliance: We stay ahead of the regulatory curve, ensuring our data and systems meet the strictest requirements, including the MLA and evolving state-by-state rules.
Ready to See the Whole Story?
Stop missing out on good customers and taking on unnecessary risk. See how Credit Bureau+™ can empower your team to lend faster, smarter, and with unparalleled confidence.