Access trade lines, delinquency records, credit inquiries, and utilization ratios – all via API – enabling complete borrower profiling in real time.
Identify synthetic identities and unusual inquiry patterns that indicate loan stacking or fraudulent intentions.
Allow customers to check eligibility with soft pull options (where permitted), increasing lead-to-loan conversion without impacting credit scores.
Fetch and compare data from multiple credit bureaus to create a bureau-agnostic risk assessment model.
Launch different products for different credit tiers (e.g., low-interest for 750+ scores, secured cards for <600) dynamically using bureau data.
