Delta: Transforming Credit Information Sharing

Every month you go through the same routine. You upload your CAIS file, wait three days, then get hit with a rejection notice for something like 'invalid account type 99'. Now you're manually searching through thousands of rows to find the error, fix it, resubmit, and hope for the best. It's 2025 and your credit reporting is still trapped in this submit-reject-correct cycle that would make 1995 blush.

The Problem: Reactive Correction, Not Prevention

This credit reporting process consumes valuable resources and delays accurate information from reaching the bureaus. Legacy CRAs have built their model around reactive correction rather than prevention. When they do offer validation tools, expect to pay thousands of pounds for systems that are marginally better than uploading blind.

The operational drain in numbers:

• Manual file validation takes 2-3 days per reporting cycle.
• 90% of submissions require at least one data quality error that needs to be fixed before ingestion.
• Average time to resolve bureau feedback: 5-15 days.
• Cost of delayed reporting: missed lending opportunities and regulatory risk. 

The solution: Delta Reporting Platform

Delta is designed to be the first port of call in your monthly reporting workflow. Instead of submitting files blind and waiting for rejection notices, Delta identifies and reduces errors in all reporting formats before submission.

Upload your CAIS, Insight or SIRF and get instant validation against bureau specifications. Catch formatting errors, data inconsistencies, and compliance issues immediately. No more lengthy submit-reject-correct cycles. No more cryptic error messages.

Why Delta is Different

Real-Time Transparency

Real-time reporting on file format and quality vs. the "black box" approach of legacy systems. Know immediately if there are issues instead of waiting days for feedback. No more context switching between monthly reporting and correction management. Handle everything in one workflow.

Exceptional User Experience

An intuitive platform designed for credit professionals (humans) by people who have owned credit reporting operations. No more wrestling with clunky legacy systems or deciphering cryptic error messages.

Universal Access

The more accurate the assessment, the less likely it is for them to be declined post-click-out and the more competitive a lender’s brand will be. 

Continuous Innovation

Unlike legacy providers who treat reporting tools as an afterthought, Delta gets regular feature updates and improvements based on user feedback. Your reporting capabilities improve over time instead of stagnating.

What This Means for Your Team

Change those lost hours into measurable operational gains:

• Cut file preparation time by up to 70%
• Achieve up to 95%+ first-time submission success rates
• Reduce submit-reject-correct cycles by up to 85%
• Slash report-to-ingestion window by up to 2 weeks

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 at Evlo

Credit teams consistently tell us Delta is "a pleasure to use" - words you never hear about credit bureau reporting.

No more...

• Confusing interfaces that require extensive training
• Cryptic error messages that waste hours of troubleshooting
• Days of waiting to know if your file processed correctly
• Complex licensing that blocks access for smaller lenders
• Systems that never improve or add new features

With Delta...

• Intuitive design that makes sense from day one
• Clear, actionable error messages and guidance
• Instant feedback on file processing and validation
• Open access for all legitimate lenders
• Continuous improvement with regular feature releases

Ready to End Your Monthly Reporting Struggles?

See how Delta's pre-submission validation can eliminate your monthly correction cycles. Book a demo and we'll show you exactly how much time Delta can save your reporting team and how you can use it as a data validation tool before reporting into the wider bureau ecosystem.

Start with Delta →

About Infact: We’re building the next generation of credit information infrastructure, starting with tools that help lenders ensure data quality and protect their customers. Delta is just the beginning. Join us in transforming how credit information flows through the financial system.