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.
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.

Customer STORIES
Powering credit decisions for the fastest-growing lenders

frequently asked question
Got questions? We’ve got answers
How does Bureau improve credit underwriting decisioning?
Bureau improves credit underwriting with real-time risk assessment, using a combination of identity, device, and behavioral signals.
Can Bureau integrate with Loan Origination and Management (LOS/LMS) systems?
Bureau’s unified risk decisioning platform supports API integration with most loan origination and loan management systems.
How does Bureau power credit decisions for thin-file customers?
Bureau leverages alternate data, such as email, phone number, and social, app or browsing data, to build risk profiles even for thin-file applicants, enabling lenders to underwrite confidently.
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