Building the future of credit referencing

Infact was founded in 2022 with the aim of changing the credit information market to achieve better outcomes for consumers through collaboration with Open Data partners and traditional credit information providers.


Our team share over 25+ years experience building innovative credit information products at companies like Runpath, Experian and Credit Kudos. We are proud to have the backing of some of the UK's leading early-stage investors, as well as prominent fintech founders.

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Traditional bureau data is as good as it’s going to get

Information used in bureau based credit information and affordability decisions is by default out-of-date. As a result of this, consumers and lenders are missing a key component in enabling access to responsible and suitable credit.


Opportunity to better serve consumers

The FCA’s Credit Information Market Study highlights significant differences and misrepresentations in credit information available through the existing bureaus, pointing to material inefficiencies in today’s consumer credit market. This is leaving an increasingly large number of consumers underserved and potentially financially vulnerable.


Credit information for the next-generation of lending

We are building a progressive Challenger CRA (pending authorisation) to support the FCA’s areas of innovation from the Credit Information Market Study to address completeness, timeliness and improve outcomes for consumers and credit providers.


Together we can achieve the best outcomes

Competition is healthy. We want to encourage competition in the Credit Information market through innovation while building strong working partnerships with traditional CRAs and Open Banking providers.



Member Innovate Finance actively contributing to Innovation in Consumer Credit group.


Founding member of Open Finance coalition to progress protecting consumers from financial harm through better affordability and credit risk data.

Group 262

Infact meets the international standards of ISO 270001 to ensure the highest level of security and protection of consumer data.

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Supported by some of the leading academic minds in our field.



Credit referencing that is inclusive, fair, and built with consumer context


Championing responsible lending through continuous innovation


We have proven that small well aligned teams can achieve great things.

Want to join the team?

Hit us up on LinkedIn - we have roles for a diverse range of backgrounds, from compliance and operations to product and engineering to sales and marketing.

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.

Developer portal

Request access to our API documentation and Quick Start guides.

Speak to sales

Explore how our innovative solutions 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.