The full credit picture, in one profile.
Credit Intelligence pulls the score, aggregates reports across multiple bureaus, and layers in behavioral insight, so underwriters see the complete picture, not just a number.
Every bureau in, one profile out.
Requests every connected bureau
Credit Intelligence queries the bureaus you subscribe to in one call and normalizes the reports into a single record.
Resolves the differences
Conflicting fields across bureaus are reconciled, and a blended score sits alongside each bureau's raw score.
Layers in behavior
Signals from Statement Analysis and application history add a plain-language read on top of the score.
More than a score underwriters have to trust blindly.
Multi-bureau aggregation
Pulls credit reports from multiple bureaus in one request and reconciles them into a single applicant record.
Blended credit score
A unified score sits alongside each bureau's raw number, so nothing is hidden behind a single figure.
Behavioral pattern analysis
Identifies spending discipline, saving habits, and how an applicant responds to financial pressure over time.
Thin-file & alternative data
Built to work for applicants with limited bureau history, using verified cashflow and behavior alongside the file.
Explainable output
Every score and trait links back to the report or transaction that produced it: fully auditable, never a black box.
Portfolio-level rollup
Aggregate credit and behavior signals across your book to spot drift in applicant quality before it shows in defaults.
Insight, not judgment.
Credit Intelligence informs the decision, it doesn't make it
The profile feeds your Credit Risk Decision policy. Your rules and reviewers stay in control of every outcome.
Every score traces back to real signal
No hidden scores. Each output links to the bureau report or transaction pattern behind it, ready for review or audit.
Built on data the applicant has shared
Bureau reports are pulled with the applicant's consent, alongside statement and application data already provided for the credit decision.