Delta

Smarter reporting with Delta

End monthly reporting struggles with pre-submission validation and real-time load reports that significantly reduce correction cycles.

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The problem

The current credit reporting process traps lenders in an inefficient submit-reject-correct cycle each month, consuming valuable resources and delaying accurate information from reaching credit bureaus.

The solution

Designed to be the first port of call in monthly reporting workflows, Delta transforms credit bureau reporting by identifying and reducing the amount of errors in all reporting formats before submission.

Business impact

90%

Improve data quality

Potential to cut reporting errors by 90% through pre-submission validation and improve data accuracy in bureau submissions.

70%

Reduce operational overhead

Reduce file analysis time by up to 70% and reduce the burden of manual corrections and bureau communications.

85%

Reduce reporting latency

Delta dramatically reduces the traditional credit file update cycle, slashing the report-to-ingestion window by up to 85%.

Product features

Find issues instantly

Reduce time spent finding data quality or formatting issues with our intuitive dashboard and exportable issue capabilities.

Submit any file format

Handles every reporting format effortlessly with native support for CAIS/Insight and FACT standards.

Proactive error detection

Our pre-submission validation engine identifies and ranks issues in real-time, significantly reducing time spent on the submit-reject-correct cycle.

Continuous quality monitoring

Benefit from automated anomaly detection and comprehensive reporting metrics to maintain consistent data quality.

Monitor Changes Across Monthly Reports

Track and compare your current data with previously analysed files to quickly spot significant value changes that might indicate errors in your reporting.

Instant Corrections

Make direct modifications to customer account data with real-time bureau updates through our intuitive interface.

Enhanced security

Fully encrypted environment for sensitive data handling with complete audit trails for all reporting activities.

Testimonials

"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

"With Delta's pre-submission validation, we've significantly reduced the number of errors we receive in our load reports which has reduced our operational overhead."

Credit Reporting Manager

Leading fintech

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Infact’s News & Insights

Learn about the latest in reporting

Zopa Bank and Infact partner to improve credit report accuracy

Infact has partnered with Zopa Bank to improve customers’ credit information accuracy and visibilit.

Infact Team

September 30, 2025

Infact joins the Consumer Credit Trade Association

We’re pleased to announce that Infact has joined the Consumer Credit Trade Association (CCTA), one .

Infact Team

September 30, 2025

Spot data anomalies with Delta’s month-on-month file comparison

It’s Monday morning, and your credit operations manager gets a call. Last month’s credit file submission has gon.

Infact Team

September 18, 2025

Is your team ready for real-time credit data?

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Authorised and regulated by the Financial Conduct Authority (FRN: 978629)

Infact is a trading name of Infact Systems Limited, registered in England and Wales (Company Registration Number: 14032664)

Registered address: 2-7 Clerkenwell Green, London, EC1R 0DE