Insurance
Grow market share while improving loss ratios.
In partnership with Percayso Inform
Infact's real-time credit and application behaviour signal now feeds Percayso's insurance intelligence suite, giving insurers, brokers and MGAs one view across the credit and insurance markets.
Built for the digital consumer
Infact is the UK’s first new regulated credit bureau in over 20 years. We co-design around real problems and prove the value on our partners' own data, resulting in the UK’s fastest growing bureau network.
Products
Augment your risk decisioning with products built for new lending, portfolio management, and compliance use.
Affordability
Unlock new lending opportunities with more personalised affordability assessments.
Increase acceptance rates by lending to new customer segments.
Reduce manual underwriting and accelerate application processing.
Strengthen regulatory compliance with explainable data.
Fraud
Streamline customer onboarding while enhancing fraud protection.
Monitor real-time risk signals across lender networks.
Detect synthetic identities and reduce application fraud.
Includes risk scores, reputation levels, device and behaviour intelligence.
Credit Risk
Optimise lending decisions with real-time credit signal.
Increase approval rates by identifying creditworthy thin-file applicants.
Spot loan stacking and emerging risks in real-time.
Boost customer lifetime value with smarter credit limit management.
How Infact helps your business
Spot quote manipulation across two markets
Infact and Percayso surface cross‑market shifts and misrepresentation at the point of quote, combining Infact’s real‑time application behaviour with Percayso’s quote‑lake intelligence.
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Price sharper with credit signal your file can’t see
Use more real‑time, trended credit behaviour (including non‑contributor blind spots) to separate strong risks from marginal ones, and compete harder where you want to grow.
Act on risk changes ahead of renewal
Credit positions move during the policy term. Infact flags new borrowing and early signs of distress as they happen, so you can intervene earlier, not after a loss.
Products
Affordability
Individual-level income and cost-of-living estimates to assess whether an instalment plan is sustainable for the purchase, term and customer in front of you.
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Credit Risk
Real-time credit and network signals to identify exposure stacking, new borrowing and early distress before monthly bureau files catch up.
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Fraud
Application behaviour and network signals that flag first-party fraud, income manipulation and high-risk checkout patterns before the first payment is missed.
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Identity
Fast, low-friction identity checks that verify digitally native shoppers with the data they already provide, helping more genuine customers complete checkout.
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Insights
The reporting gap has a price. Here is how to work it out
Every lender knows the bureau file is out of date. Very few have put a number on what...
Real-time data
Infact partners with Percayso Inform
Infact's products are now available through the Percayso Inform Intelligence Hub...
Partnerships
Real customer stories from teams using Infact
Read stories from companies using Infact across live decision journeys...
Customer stories
See what your book looks like in real time
Run a retrospective analysis on your own historical data and see the losses you could have avoided.
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