It’s Monday morning, and your credit operations manager gets a call. Last month’s credit file submission has gone through to the bureau, but something’s not right. A spot check reveals that 8% of your current customers were accidentally marked as “delinquent” due to a status code mapping error. Not enough for the bureau’s automated systems to flag and reject, but enough to tank those customers’ credit scores.
Your team now faces weeks of corrections, and potentially hundreds of customer complaints and regulatory scrutiny. Meanwhile, those affected customers are being denied services, mortgages and loans, or forced into higher interest rates because their credit reports falsely show missed payments.
Sound familiar? If you’ve worked in credit operations for more than five minutes, you’ve probably lived through some version of this nightmare.
Here’s the scary truth: bureau validation systems are designed to catch the most egregious errors such as files that are completely corrupted or missing mandatory fields. But research shows they routinely miss subtler problems that can be just as damaging. Industry data reveals that 29% of the surveyed UK adults who checked their credit report found mistakes.
The errors that slip through bureau validation:
These “partial” errors are particularly dangerous because they:
These aren’t hypothetical scenarios. These are stories from real credit operations teams who’ve learned the hard way that manual spot-checks aren’t enough.
We built Delta’s new comparison feature because research shows that significant data quality issues affect millions of consumers. Our automated month-on-month analysis catches subtle anomalies that bureau validation systems routinely miss, protecting both your customers and your reputation.
The moment you upload your monthly file, Delta automatically compares it against your previous submission across multiple dimensions:
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.
Delta flags every minor variance and uses intelligent thresholds to highlight genuinely concerning changes while filtering out expected business fluctuations.
For example:
We managed to spot and fix errors in reporting that are happening with our traditional bureaus and that we have never spotted before. We had customers that weren't being reported which we have managed to report just by running the data through Delta.
- Asif Nadeem, Chief Transformation Officer, Evlo
Credit teams consistently tell us Delta is "a pleasure to use" - words you never hear about credit bureau reporting.
In an industry where research shows that 1 in 3 of the surveyed UK adults have credit report errors that can result in less favourable loan terms, getting monthly reporting right is both an operational necessity and an ethical imperative. Each error in credit reporting can affect someone’s ability to get a mortgage, secure a loan, or even qualify for competitive interest rates.
Delta’s comparison feature is part of our broader mission to make credit information sharing more accurate, efficient, and reliable for everyone.
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.
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.