Affordability & Credit Risk,
Bringing affordability and credit information into the 21st century by facilitating the sharing of real-time, contextual data.
Supporting responsible lending to THE 28 Million UNDERSERVED consumers
increase the timeliness of data sharing
Make better credit decisions using an individual’s live credit balance, increasing responsible lending while safeguarding against vulnerability. Leverage innovative metrics such as trended insights and live credit balance to see reductions in debt levels faster while protecting against loan stacking or unaffordable shopping sprees.
add context to credit decisions
Infact offers detailed visibility into an individual’s current credit usage, indebtedness and future credit repayment commitments to build a more accurate picture of an individual’s affordability and credit risk.
enhanced technical capabilities
Notifications & flags
Receive timely event-driven notifications when an individuals credit profile changes. Improve decisioning and customer management and deliver better outcomes for your customers by utilising new positive and negative signals.
this allows us to create products that
Improve lending performance
Increase responsible lending while protecting against defaults.
Build a more accurate, personalised view of an individual’s creditworthiness.
More easily adapt to the changing regulatory environment and assess suitability.
Built for developers
Infact cuts out the complexity of credit reporting so you can focus on optimising lending performance. All the tools you need to read, write and update credit information in real-time.
One go-to API
Extensive API documentation
Access synthetic data for millions of consumers accompanied by scenarios and walkthroughs.
Infact’s Postman collection organises API elements and offers examples in 19 languages.
Secure and reliable
ISO27001-compliant and AWS Well Architected with OAuth2 security.
Explore our suite of innovative credit information solutions designed to power the future of responsible lending. Driven by our commitment to fairness, progress, and ambition.
Increase responsible lending and optimise your application process with our frictionless, explainable affordability solution that delivers a configurable, personalised estimate on an individual’s income and expenditure.
Build a more complete, accurate view of an individual’s credit risk by assessing their live credit balance combined with rich contextual credit performance data. See how an individual has built creditworthiness over time through unique insights such as credit mix over time and successfully settled historic accounts.
Real-time data for modern credit
Join us on our mission to innovate in the UK credit information market and take the next step in exploring our next-generation solutions for consumer credit decisioning.
Request access to our API documentation and Quick Start guides.
Speak to sales
Explore how our innovative products can help with our team of experts.
Follow our journey
Stay up to date with our progress as we disrupt the UK credit information market.