About us

INVESTORS

PROBLEM

Traditional bureau data is as good as it’s going to get

Information used in bureau based credit information and affordability decisions is by default out-of-date. As a result of this, consumers and lenders are missing a key component in enabling access to responsible and suitable credit.

NEED FOR INNOVATION

Opportunity to better serve consumers

The FCA’s Credit Information Market Study highlights significant differences and misrepresentations in credit information available through the existing bureaus, pointing to material inefficiencies in today’s consumer credit market. This is leaving an increasingly large number of consumers underserved and potentially financially vulnerable.

OUR GOAL

Credit information for the next-generation of lending

We are building a progressive Challenger CRA (pending authorisation) to support the FCA’s areas of innovation from the Credit Information Market Study to address completeness, timeliness and improve outcomes for consumers and credit providers.

COMPLIMENTARY BUT COMPETITIVE

Together we can achieve the best outcomes

Competition is healthy. We want to encourage competition in the Credit Information market through innovation while building strong working partnerships with traditional CRAs and Open Banking providers.

Partners

Member Innovate Finance actively contributing to Innovation in Consumer Credit group.

Founding member of Open Finance coalition to progress protecting consumers from financial harm through better affordability and credit risk data.

Infact meets the international standards of ISO 270001 to ensure the highest level of security and protection of consumer data.

Supported by some of the leading academic minds in our field.

Real-time data for modern credit

Join us on our mission to innovate in the UK credit information market and take the next step in exploring our next-generation solutions for consumer credit decisioning.

Developer portal

Request access to our API documentation and Quick Start guides.

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Speak to sales

Explore how our innovative solutions can help with our team of experts.

Contact

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Building the future of credit referencing