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Credit bureaus are the backbone of any credit underwriting strategy. Whether issuing consumer credit or small business loans, verifying an applicant’s creditworthiness through a bureau isn’t just prudent—it’s essential.
Over the past year, we’ve worked closely with credit bureaus and fintech companies specializing in credit data, successfully onboarding shared fintech clients with speed and efficiency.
The three major U.S. credit bureaus—TransUnion, Experian, and Equifax—each offer distinct datasets, attributes, and models. Additionally, tri-bureau firms like CRS merge data from all three to provide a comprehensive view of an applicant’s credit profile.
Post-origination data furnishing is just as critical. Innovative firms like BloomCredit are leading the charge, offering seamless credit bureau reporting through developer-friendly APIs.
Beyond traditional credit data—such as loan and credit card repayment history—other providers, like BrightQuery, offer deeper insights into small businesses, including tax records and county registrations, to help lenders form a more complete picture of applicants.
This page is dedicated to celebrating the innovators in LendAPI’s FinTech Marketplace who are shaping the future of credit bureau data, platforms, and technology.
TransUnion
One of the three major credit bureaus in the U.S., TransUnion provides credit reports, scores, and fraud prevention solutions to consumers, lenders, and businesses. The company specializes in data analytics and insights, helping financial institutions assess creditworthiness, mitigate risk, and enhance customer decision-making. TransUnion also plays a key role in identity verification and consumer credit monitoring. For more information, click here.
Experian
A global leader in consumer and business credit reporting, Experian provides financial data and analytics services to individuals and enterprises. The company offers credit scoring, fraud prevention, and identity management solutions, helping lenders make informed decisions while empowering consumers to manage their credit profiles. Experian also invests in alternative credit data to expand financial access. For more information, click here.
Equifax
A major credit bureau known for providing credit reporting, fraud detection, and data analytics services. Equifax serves financial institutions, government agencies, and businesses with insights into consumer credit behavior. In addition to traditional credit data, the company focuses on employment and income verification through its Workforce Solutions division, helping lenders make risk-based decisions. For more information, click here.
Experian's Clarity Services
A subsidiary of Experian, Clarity Services specializes in alternative credit data, particularly for subprime and near-prime consumers. The service provides lenders with deeper insights into non-traditional credit activity, such as short-term loans and rent payments, helping expand credit access to underserved populations while managing risk. For more information, click here.
Equifax's DataX
A division of Equifax that focuses on alternative credit reporting, DataX provides data-driven solutions for lenders targeting non-prime consumers. By incorporating insights from payday loans, installment lending, and other non-traditional sources, DataX enables financial institutions to assess credit risk more comprehensively. For more information, click here.
BrightQuery
BrightQuery (BQ) is a data intelligence firm that specializes in business and financial data analytics. The company aggregates and analyzes structured and unstructured data to provide insights on private and public companies, assisting investors, lenders, and businesses in making data-driven decisions. For more information, click here.
BloomCredit
A fintech company that offers API solutions to help businesses integrate credit data into their platforms. BloomCredit simplifies access to credit bureau data, enabling fintechs, lenders, and financial service providers to leverage consumer credit insights for underwriting, credit building, and financial product development. For more information, click here.
CRS Credit Report
CRS provides credit reporting and risk assessment solutions, primarily for businesses and lenders looking for consumer credit insights. The company specializes in delivering credit data, identity verification, and compliance tools to help businesses make informed lending decisions. For more information, click here.
NovaCredit International Credit Bureau
NovaCredit is an innovative credit bureau focused on enabling immigrants to bring their credit history from their home countries to the U.S. The company partners with international credit bureaus to translate foreign credit data into U.S.-equivalent scores, helping new arrivals access financial services without starting from scratch. For more information, click here.
FastData.com
A data aggregation and analytics company that specializes in real-time financial and credit-related data. FastDAta.com helps businesses, lenders, and financial institutions access alternative and traditional credit insights to improve decision-making and risk assessment. For more information, click here.
MergePower
A technology company that provides solutions for merging and managing credit data. MergePower streamlines the process of consolidating multiple credit files into a single, accurate credit report, helping lenders and financial institutions enhance credit risk evaluation and compliance. For more information, click here.
SOLO
SOLO is a data ingestion platform revolutionizing the collection and activation of customer financial information for banks, lenders, and their clients. By creating a "record of truth" for each consumer, SOLO enables users to own their credit data while allowing financial institutions to access real-time, verified information. This approach streamlines processes from onboarding to underwriting, reducing the need for repetitive data verification and enhancing decision-making efficiency. With features like frictionless applications, continuous 360-degree underwriting, and proactive product matching, SOLO empowers lenders to reduce underwriting costs and improve customer lifetime value. Backed by a network of over 100 community banks, SOLO is committed to transforming credit data infrastructure and fostering financial inclusion. For more information, click here.
MicroBilt
A provider of alternative credit data, risk management, and decisioning solutions, MicroBilt specializes in serving subprime and non-traditional borrowers. The company provides businesses with consumer and commercial credit reports, fraud prevention tools, and identity verification solutions to support lending and financial decision-making. For more information, click here.
Thanks to these amazing teams working on creating more meaningful credit data for consumers and smaller businesses as well as international entities and making a difference every day.
About LendAPI
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