How We Help Credit Unions

Lead With Innovation. Serve With Purpose.

Champion trust, fairness, and financial progress with the credit data infrastructure that supports better outcomes for all.

Grow Share of Wallet—and Expand Fair, Affordable Access to Credit

Transform checking accounts into credit-building tools and fuel growth by tapping into financial data—like recurrent transactions from rent, telco, water, gas, and electric payments—that reflects real-life creditworthiness.

Empower members to build credit responsibly, no loans required. Offer fair, innovative solutions that align with your mission of financial well-being.

Access accurate, validated data instantly to support precision underwriting, deeper member insights, and stronger compliance.

Work with a trusted partner who understands the credit union space and brings cutting-edge technology, deep industry insight, and a shared commitment to member-first innovation.

Smarter Credit Technology for the Credit Union of Tomorrow

Harness the transformative technology that’s driving the future of credit.

Bloom+

Turn checking accounts into credit-building engines that strengthen loyalty and expand access to fair, affordable credit for members.

Furnishment

Simplify credit data reporting and let us do the heavy lifting, formatting, and furnishing to all three bureaus with Metro 2® compliant files.

Data Access

Access accurate, validated credit data so you can say “yes” to more members — and deliver tailored offers that make them say “yes” to you.

Credit Dispute Management

Reduce the operational burden of dispute management and focus on growing your business—without sacrificing compliance or accuracy.

Helping Credit Unions Future-Proof Their Mission

Community-driven institutions evolve alongside their members. Bloom helps you stay relevant—and essential—in their financial lives.

We help credit unions navigate the intersection of tech and trust with a modern credit data infrastructure that underpins your core mission.

Many consumers, especially younger and underbanked individuals, are shut out of traditional credit-building pathways. Your institution can be the one that changes that story.

Outdated infrastructure makes it hard to adapt. Our tech integrates easily, provides real-time data, and helps you act on member needs faster.

Grow without losing purpose. Bloom partners with you to balance innovation with mission, so you can lead with technology and empathy.

Testimonials

Jaspreet Chawla Navy Federal
“The Bloom+ tool provides our members with a powerful way to impact their finances and build credit history, via online and mobile banking. 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.”

David Goldberg TransUnion
“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.”

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

Patrick Shubert Imprint
“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.”

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

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

Learn More About How Bloom Credit is Helping Credit Unions Like Yours