How We Help Banks

Grow Deposits. Scale Lending. Empower Customers with Better Financial Outcomes.

Attract and retain deposits and customers, and boost loan approvals with Bloom Credit’s transformative credit data infrastructure.

The Future of Banking is Built on Good Data

Cleaner data. Smarter choices. Stronger customer relationships.

Empower members to build credit responsibly, no loans required. Offer fair, innovative solutions that attract and retain deposits, supporting your mission of financial well-being.

Comprehensive, multi-bureau data driven by recurring payments from Bloom+, means you can approve more borrowers, support smarter underwriting, and unlock new growth.

Become the go-to resource for customers who want to improve their credit with infrastructure that underpins your mission.

Accurate Credit Data. Strategic Industry Relationships. Real Advantage in a Changing Credit Landscape.

Connect to the infrastructure driving innovation and speed in consumer credit.

Bloom+

Access real-time cash flow, income streams, balances, and non-credit transaction histories to underwrite smarter, detect risk earlier, and offer personalized financial products. Help improve customer loyalty and retention by reporting recurring payments like rent, utilities, and Telco payments to the bureaus to boost their credit.

Furnishment

Streamline your credit data reporting. Let us handle the formatting, compliance, and Metro 2® furnishing to all three bureaus.

Data Access

Access multi-bureau, validated credit data that broadens lending opportunities and deepens customer relationships.

Credit Dispute Management

Lighten the load of dispute management and shift your focus to customer centricity without compromising compliance or accuracy.

Your Competitive Edge Starts With Better Data

With real-time, consumer permissioned data and deep industry integration, we help banks compete and lead in modern credit markets.

Leverage a transformative credit data infrastructure that keeps you at the forefront of financial services—and your customers’ wants and needs.

Gain immediate, enduring relevance by helping your customers—many of whom may be shut out of traditional credit-building pathways—build credit without taking on debt.

Testimonials

“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.

“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.

“Today, more than ever, the communities we serve need access to affordable credit,” said Jim Merrill, CEO of Inspire Federal 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,” said Patrick Shubert, Imprint.

“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.

One Scalable Infrastructure that Underpins Modern and Transformative Credit Experiences