What is the Data Quality Crisis in credit reporting?

Credit reporting systems are struggling to keep pace with today's dynamic financial landscape, producing stale, inaccurate data that undermines lending decisions. Legacy bureau infrastructure creates multiple pain points including monthly reporting bottlenecks, deteriorating data quality with 90% of submissions requiring corrections, legacy bureau formats struggling to represent modern financial products, and outdated matching that excludes consumers.

How does Delta improve data quality?

Delta bridges the gap between legacy systems and modern data quality requirements, catching errors before submission. It improves data quality by 90%, reduces operational overhead by 70%, and reduces reporting latency by up to 85%. Delta dramatically reduces the traditional credit file update cycle, slashing the report-to-ingestion window.

What are the benefits of real-time credit reporting?

Real-time credit reporting enables API-based architecture for instant updates, modern product representation including BNPL features, flexible data model supporting email and mobile identifiers, instant corrections for refunds and early repayments, person-centric design focusing on individuals rather than addresses, scalable cloud-native infrastructure with sub-second response times, and developer-friendly integration with onboarding in days.

Reporting to Infact

Closing the reporting gap

Begin with better data quality today, prepare for real-time tomorrow.

The Data Quality Crisis

Credit reporting systems are struggling to keep pace with today's dynamic financial landscape, producing stale, inaccurate data that undermines lending decisions. Legacy bureau infrastructure, designed decades ago, creates multiple pain points that affect both lenders and consumers.

Monthly reporting bottlenecks

Submission cycles delay ingestion by weeks, resulting in stale data that doesn't reflect consumers' financial situations.

Deteriorating data quality

90% of submissions require corrections, with 15-20% of credit files containing preventable formatting errors.

Inflexible data structures

Legacy bureau formats struggle to accurately represent modern financial products like Buy Now Pay Later.

Outdated matching

Over-reliance on electoral register data excludes consumers and leads to poor outcomes.

Delta

Improve data quality with Delta

Delta bridges the gap between these legacy systems and modern data quality requirements, catching errors 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%.

How it works

Easy implementation

Begin your journey with implementation that takes just hours, delivering immediate improvements to your reporting workflow.

Designed as a bridge

Delta bridges the gap between legacy reporting systems and modern data standards, establishing a foundation for continuous improvement.

Instant return on investment

Experience correction cycles reduced from weeks to hours and immediate ROI from your very first reporting cycle.

Begin reporting into Infact

Seamlessly enables lenders to begin reporting into Infact with a user-friendly interface that simplifies the process of sharing credit data.

Making real-time a reality

Infact is transforming credit reporting with cutting-edge technology and a fresh approach.

Real-time data sharing

Our API-based architecture enables lenders to report, update and amend accounts instantly, allowing us to maintain the most accurate view of a individual’s credit exposure.

Modern product representation

Our reporting format accurately captures the details of contemporary financial products, including BNPL features like early payments and payment adjustments.

Flexible data model

We support a wide range of identifiers, including email and mobile numbers, for a more inclusive and accurate picture.

Instant corrections

The Infact API allows for instant updates and amendments to credit records, ensuring refunds and early repayments are promptly reflected.

Person-centric design

Our approach focuses on individuals rather than addresses, creating a more holistic and fair representation of creditworthiness.

Scalable cloud-native infrastructure

Our platform scales to deliver real-time credit information with on-demand insights. All with sub-second response times, and the highest levels of compliance and data protection.

Developer-friendly integration

We offer clear documentation and support for a smooth integration process, reducing time-to-value for lenders. Benefit from onboarding in days, not months.

Align with Consumer Duty

Real-time data helps lenders meet Consumer Duty requirements more effectively, enabling better protection of vulnerable individuals and promoting responsible lending practices, resulting in better outcomes for consumers.

Supporting a better financial services industry

Infact's innovative credit reporting system delivers more timely, accurate data, enabling lenders to make smarter decisions while helping consumers build stronger financial profiles.

Our reporting capabilities provide lenders with more timely and accurate data, offering significant advantages across various aspects of their operations:

Identify potential risks

Spot issues like loan stacking earlier, lowering expected credit losses and improving overall credit performance.

Lend to new customer segments

Reveal creditworthy customers often overlooked by traditional systems, potentially increasing acceptance rates.

Competitive advantage

Gain an edge in the market by pricing risk more accurately, offering more competitive APRs and offers to customers.

Operational efficiency

Reduce integration time and costs that contribute to lowering operational costs and improving operational efficiency.

More accurate credit reports

Receive fewer requests and complaints from individuals ultimately delivering better customer satisfaction.

Deliver on Consumer Duty

Better protect vulnerable individuals and promote responsible lending practices, resulting in better outcomes for consumers.

Infact's innovative reporting system offers numerous advantages for consumers:

Fairer credit assessments

More timely and accurate data leads to fairer lending decisions. These fairer decisions may result in lower cost of debt for consumers.

Improved financial visibility

Provide consumers with a comprehensive view of their credit profile, empowering them to make informed financial decisions.

Faster credit building

More timely reporting and the ability to accurately reflect BNPL helps individuals to build credit profiles faster, safer and cheaper.

Protecting against vulnerability

Real-time reporting helps prevent consumers from taking on more debt than they can handle.

More timely corrections

Faster corrections ensure a more accurate and up-to-date representation of consumers' financial situations.

Building a better financial future

Drive financial inclusion and contribute to a fairer, more efficient credit ecosystem while improving their key performance metrics.

Reporting via API

We offer a simple, intuitive API to service the entire reporting lifecycle.

01 Report

Report individuals and their accounts through real-time structured reporting with immediate validation and processing.

Used for:

Details about people

Unique identifiers

Details about accounts

Details about payment schedules

02 Update

Directly update an individual or an account’s status and payment performance using the same API.

Used for:

Refunded purchase

Balance amendment

Payments

Early payments

Missed payments

Delinquencies

03 Amend

Modify or correct any reported data automatically when issues are raised.

Used for:

Corrections

Resolving disputes

Consumer requests

Processing updates

Missed persons or accounts

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Ready to make better risk decisions?

Speak to an expert

Reporting to Infact

Closing the reporting gap

The Data Quality Crisis

Delta

Improve data quality with Delta

Business impact

How it works

Delta is free to use for all lenders reporting into Infact in 2026

Making real-time a reality

Real-time data sharing

Modern product representation

Flexible data model

Instant corrections

Person-centric design

Scalable cloud-native infrastructure

Developer-friendly integration

Align with Consumer Duty

Supporting a better financial services industry

Reporting via API

01 Report

02 Update

03 Amend

Infact’s News & Insights

Learn about the latest in reporting

The inflation print just vindicated what your risk team has been saying for weeks

Fluro and Infact partner to open up fair access to credit for more UK borrowers

Bureau Meets Mobile Intelligence: A Modular Identity API for Fintech Onboarding

Ready to make better risk decisions?