Zopa Bank and Infact partner to improve credit report accuracy

Infact has partnered with Zopa Bank to improve customers’ credit information accuracy and visibility. The bank is now reporting all consumer credit information across its products to Infact. The partnership reflects Zopa Bank’s commitment to helping customers better understand and improve their financial position through reliable, up-to-date credit information, and supports healthy competition in the UK bureau market.

Improving Outcomes Through Better Quality Credit Data

This partnership is aligned with Zopa Bank's 2025 Fintech Pledge, a campaign to drive actions that improve consumers financial resilience. In collaborating with Infact on reliability and timeliness of credit information, Zopa Bank is helping its 1.5 million customers and UK consumers more broadly to build understandable, accurate, and up-to-date credit files.

Infact is a licensed credit bureau that is reshaping credit reporting in the UK. With innovative solutions like their Delta Platform, Infact is working to improve consumer credit report accuracy across the industry. Zopa Bank's customer-focused approach aligns with Infact's vision for timely and transparent credit information. When consumers can access the right financial products at the right time, they build stronger financial resilience. A collaborative, market-wide approach to credit information means fairer outcomes for all – a mission that Zopa Bank and Infact share.

Jeremy Penzer, Chief Analytics Officer at Zopa Bank, said:

"Our customers trust us to make smart, responsible decisions with their data. By sharing credit data with Infact, we are helping customers build stronger credit profiles that accurately reflect their financial behaviour. This supports people to make informed financial decisions and improve their credit scores, while establishing a partnership that contributes to increased competition in the UK bureau market.”

By reporting to Infact, Zopa Bank is sharing credit information in a way that both works alongside existing systems and contributes to industry-wide improvements. Together, they are establishing a new standard for credit reporting, providing a more complete picture of customer financial health, and ultimately transforming how the credit bureau market operates in the UK.

Will Mason, CEO of Infact:

"We're delighted to partner with Zopa, a digital bank that truly puts customer financial wellbeing first. Together, we're creating a more complete picture of consumer credit worthiness that helps people build better financial futures. This gives customers the credit profiles they deserve: accurate, comprehensive, and up to date, whilst also lifting standards across the whole credit reporting landscape."

This strategic collaboration represents the future of UK credit reporting: where Infact's mission-driven technology innovation meets Zopa Bank’s customer-focused banking approach to deliver transparent, accurate financial data that helps people build stronger financial futures.