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Explore Bureau

Credit Underwriting

Credit decisions on every borrower. Pre-screening to portfolio monitoring.

NTC and thin-file borrowers have no bureau history. Bureau reads their identity, income, behavioral, and network signals - delivering three scores that give lenders a complete, actionable picture from first touchpoint to final repayment.

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Approve first time borrowers with confidence

Bureau's alternate signals - identity, income, behavior, and network trust - give lenders a complete picture of creditworthy new to credit customers.

Approve first time borrowers with confidence

Bureau's alternate signals - identity, income, behavior, and network trust - give lenders a complete picture of creditworthy new to credit customers.

Approve first time borrowers with confidence

Bureau's alternate signals - identity, income, behavior, and network trust - give lenders a complete picture of creditworthy new to credit customers.

Cut acquisition costs with early lead scoring

Bureau's Pre-screening Score rates lead quality with just a name and phone number. Focus marketing spend on creditworthy prospects and filter low-intent leads before underwriting begins.

Cut acquisition costs with early lead scoring

Bureau's Pre-screening Score rates lead quality with just a name and phone number. Focus marketing spend on creditworthy prospects and filter low-intent leads before underwriting begins.

Cut acquisition costs with early lead scoring

Bureau's Pre-screening Score rates lead quality with just a name and phone number. Focus marketing spend on creditworthy prospects and filter low-intent leads before underwriting begins.

Track portfolio risk after every disbursal

Continuous monitoring flags identity changes, behavioral drift, and fraud signals across the borrower lifecycle - giving lenders early warning before defaults materialize.

Track portfolio risk after every disbursal

Continuous monitoring flags identity changes, behavioral drift, and fraud signals across the borrower lifecycle - giving lenders early warning before defaults materialize.

Track portfolio risk after every disbursal

Continuous monitoring flags identity changes, behavioral drift, and fraud signals across the borrower lifecycle - giving lenders early warning before defaults materialize.

Use cases

Three scores. Every stage of the credit journey.

Bureau combines identity verification, employment and income signals, behavioral data, and network intelligence to build a complete borrower picture. Take smarter decisions at lead assessment, underwriting, and post-disbursal monitoring. Starting with just a name and phone number.

Score every lead before marketing spend goes in

Bureau's Pre-screening Score evaluates identity authenticity, digital tenure, and network signals using just a name and phone number. Lenders get a risk band on every lead at the top of the funnel - so high-intent, creditworthy prospects get prioritized and low-quality leads get filtered before they consume underwriting resources.

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A complete data picture for every underwriting decision

Bureau's Underwriting Score unifies four signal categories into one number: identity verification, income validation, behavioral data, and network risk (quality of first- and second-degree digital connections). Lenders get confident approval signals on NTC and thin-file borrowers with no prior bureau history - reducing false declines and manual review load simultaneously.

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Block fraud at approval. Monitor risk after disbursal.

Bureau's Fraud Risk Score screens for collusive borrower networks, AML/PEP matches, device anomalies, and behavioral inconsistencies at the point of approval - before a single penny is disbursed. After disbursal, continuous monitoring tracks identity changes, behavioral drift, and fraud signals across the borrower lifecycle.

Talk To A Fraud Strategist

Score every lead before marketing spend goes in

See how it works

A complete data picture for every underwriting decision

See how it works

Block fraud at approval. Monitor risk after disbursal.

Talk To A Fraud Strategist

Customer STORIES