Synthesize data from traditional bureaus, alternative sources, and our own proprietary insights to lend faster, smarter, and with unmatched confidence. All without taking on additional risk.
Relying on outdated credit reports means making decisions with incomplete information and missing creditworthy borrowers. This leaves your portfolio exposed to fraud you never saw coming.
Credit Bureau+™ synthesizes data from multiple sources into one unified decisioning layer, giving you a richer, more accurate, and more complete picture than any single bureau ever could.
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Credit Bureau+™ doesn't just add data, it changes how you see every single applicant.
Go far beyond a simple score. Our bureau platform analyzes thousands of data points — from traditional credit and utility history to digital identity, banking behavior, and proprietary signals — delivering a holistic, multi-dimensional profile of every applicant's financial life and genuine trustworthiness.
Eliminate the deadly delays inherent in traditional credit reporting. Credit Bureau+™ provides an up-to-the-second snapshot of an applicant's lending activity across the market — allowing you to detect and stop loan stacking before a single dollar ever leaves your institution.
Significantly lower the manual workload for your fraud and compliance departments. By automating KYC, compliance, and fraud detection based on specific jurisdictional rules, our platform reduces manual intervention and mitigates risk, ensuring your business remains audit-ready.
Credit Bureau+™ is a modular solution. You can select specific attributes that align with your unique underwriting criteria to build a strategy tailored to your risk profile.
Leverage crucial data pulled directly from the loan application to verify and cross-reference applicant information in real time.
Utilize advanced signals and patterns to detect and flag suspicious behaviors commonly associated with first-party and third-party fraud.
Gain insight into real-world financial habits, cash flow patterns, and banking history for a clearer picture of borrower stability.
Verify core identity information tied to an applicant's SSN or SIN and other personal identifiers for foundational security and compliance.
Incorporate the essential data points you're already using — loan, credit, and utility history from traditional credit bureaus — into one unified view.
Deploy our most powerful proprietary attributes. These forward-looking, ML-driven indicators assess creditworthiness in ways traditional models simply can't.
Trust is at the core of everything we do. The Credit Bureau+™ product is fully FCRA and ECOA compliant, with compliance built in at every layer — not bolted on as an afterthought.
Every decision is accompanied by transparent, easy-to-understand reason codes, ensuring you meet all adverse action requirements under FCRA.
We stay ahead of the regulatory curve — ensuring our data, models, and systems continuously meet the strictest requirements, including evolving state-by-state rules.
Credit Bureau+™ is even more powerful when combined with Trust Science's deeper scoring and cash flow intelligence products.
Layer patented AI scoring on top of Credit Bureau+™ data to surface Invisible Prime™ borrowers and maximize approvals without increasing risk.
Add real-time bank transaction analysis and income verification to your Credit Bureau+™ file — for a complete view of every borrower's financial health.
See how Credit Bureau+™ can empower your team to approve more qualified borrowers, stop fraud before it starts, and lend with a level of confidence your current bureau simply can't provide.
Instantly see the true, complete picture of every applicant. Leverage thousands of real-time data points to confidently approve more loans, stop fraud in its tracks, and eliminate loan stacking.
FCRA and ECOA Compliant with full reason codes.
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Stop missing out on good customers and taking on unnecessary risk. See how Credit Bureau+™ can empower your team to lend faster, smarter, and with unparalleled confidence.
