Build Better Consumer Financial Products—and Expand Access to Credit

Underwrite faster, identify cross-sell opportunities, reduce risk, and help users build credit leveraging recurring non-credit payments.

From Plan to Product in Weeks. Fully Compliant, Fully Integrated.

Bloom Credit delivers real-time consumer permissioned data, consumer credit data, bureau furnishing, and dispute management via one developer-friendly infrastructure.

Leverage our next-gen infrastructure to access leading commercial credit bureaus, bank feeds, and alt-data sources.

Turn everyday customer payments into a credit-building engine that expands your addressable market and fuels long-term growth.

Compliantly report loan repayment and payment behaviors across the credit ecosystem.

Deliver Smarter Offerings with the Infrastructure Transforming the Consumer Financial Data Ecosystem

Turn your products into world-class consumer experiences.

Bloom+

See the full financial picture: access real-time cash flow, income streams, balances, and transaction histories to underwrite smarter, detect risk earlier, and offer personalized financial products.

Furnishment

Help your users build credit automatically. Compliantly report repayment behavior to major credit bureaus via turnkey Metro 2® and XML pipelines—without the complexity.

Data Access

Transform onboarding, underwriting, and monitoring with fast, accurate credit signals without building custom integrations or vendor-specific logic.

Credit Dispute Management

Receive, route, and resolve credit disputes with built-in workflows that meet FCRA standards. Keep customers—and regulators—happy.

Empower Your Users with Better Financial Tools

Your customers are looking to you for the future of financial services. Let us help you build it.

Bloom handles the heavy lifting on data access, compliance, and bureau integrations so you can go from idea to live credit offering in weeks—not months.

Approve more customers, price risk better, and drive long-term value. Transform embedded lending, BNPL, or credit-builder features with smarter data and real-time insights.

Offer instant approvals, seamless onboarding, and transparent credit tools that users trust—and stick with.

Furnish positive repayment behavior back to bureaus and help your users build better credit over time. Happier customers. Higher retention. More lifetime value.

“The Bloom+ tool provides our members with a powerful way to impact their finances and build credit history, via online and mobile banking,” said Jaspreet Chawla, senior vice president of savings. “Our members have the opportunity to easily report their payment history to credit bureaus, giving them a valuable tool to enhance their financial well-being.”

Jaspreet Chawla Navy Federal

“At TransUnion, we know that consumers want to play a more active role in their financial journeys. The consumer permissioned data reporting that Bloom+ enables, provides a more holistic view into financial obligations millions of consumers meet every month and may not be reflected in traditional credit data. It’s a huge step forward in driving more confident lending and empowering consumers,” said David Goldberg, senior vice president at TransUnion.

David Goldberg TransUnion

“Today, more than ever, the communities we serve need access to affordable credit,” said Jim Merrill, CEO of Inspire Federal Credit Union. “Bloom Plus gives our members and the communities we serve the critical ability to demonstrate their creditworthiness in new ways.”

Jim Merrill Inspire Credit Union

“Integrating Imprint’s card management system to Bloom couldn’t have been simpler. They have intuitive APIs, clear documentation, and knowledgeable people available to help if needed. The Bloom platform is clearly designed for scale, able to handle our largest card portfolios without issue.”

Patrick Shubert Imprint

“Bloom made it easy to jump start our credit bureau integration, and their level of support has been amazing on both tech and ops.”

Andy Nguyen Karat

“Partnering with Bloom Credit significantly reduced the burden of handling consumer credit disputes, allowing us to focus on growing our business,” said Reza Rahman, President of Ava Finance.

Reza Rahman Ava Finance

We Deliver Data So You Can Deliver Value