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.
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Information used in bureau based credit information and affordability decisions is by default out-of-date.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.
need for innovation
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.
complimentary but competitive
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.
Infact meets the international standards of ISO 270001 to ensure the highest level of security and protection of consumer data.
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.
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.