The data behind better risk decisions
Higher acceptance, lower losses, faster decisions. Powered by data that reflects the customer as they are today, not weeks ago.
Delta is the first CRA data quality tool that the team have used that's built to be user-friendly. We're embedding it as part of the validation process before we send our CRA files.
Jacob Rukin
Chief Credit Officer
Risk hides in the reporting gap
A credit file updates weeks after the fact. In that window, people take on new credit, circumstances change, and risk forms unseen. A better model cannot fix stale data. Better data can.
A comprehensive single-customer view
Infact is leading reform and driving innovation in the consumer credit information market by establishing a modern credit bureau to enhance the quality and speed of credit information.
Products
Augment your risk decisioning with products built for new lending, portfolio management, and compliance use.
Affordability
Unlock new lending opportunities with more personalised affordability assessments.
Increase acceptance rates by lending to new customer segments.
Reduce manual underwriting and accelerate application processing.
Strengthen regulatory compliance with explainable data.
Fraud
Streamline customer onboarding while enhancing fraud protection.
Monitor real-time risk signals across lender networks.
Detect synthetic identities and reduce application fraud.
Includes risk scores, reputation levels, device and behaviour intelligence.
Credit Risk
Optimise lending decisions with real-time credit signal.
Increase approval rates by identifying creditworthy thin-file applicants.
Spot loan stacking and emerging risks in real-time.
Boost customer lifetime value with smarter credit limit management.
Don't just take our word for it
Bureau grade, built new
Regulated by the Financial Conduct Authority (FRN: 978629)
Infact is engineered with security and data protection at its core. We're FCA authorised, ISO 27001 certified, and undergo rigorous audits and pentests to ensure your data is protected by industry-leading controls.
ISO 27001
Certified
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GDPR
Compliant
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OWASP
Tested
AWS
Well-Architected
Backed by
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Built for people who build
One API to search, report and manage credit information. Full documentation, a sandbox environment, and a Postman collection ready for your first integration.
Request access to API docs
One single API
Search, report and manage credit information through a single integration that takes hours not months.
Developer portal
Full API guidance and reference, with a sandbox environment ready for developing your integrations.
API examples
API demonstrations, a Postman collection, and example personas for each integration scenario.
Deploy and iterate quickly
Rapidly deploy and scale your custom risk models using our developer-friendly APIs and expert support.
Calibration retros
Guidance and partnership to help you build, launch and continuously improve your risk policies.
Secure and reliable
Certified to world-leading standards, we protect data to the highest standards, with the most reliable availability.
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