Power Smarter, Real-Time Credit Experiences

Transforming the Financial Ecosystem With Fairer, Faster, Smarter Credit

Bloom combines robust infrastructure with deep credit expertise to help financial institutions, fintechs, and platforms stay relevant and drive better outcomes for everyone.

Transformative Infrastructure. Better Credit Outcomes.

Bloom Credit provides the tech and trusted data that help credit unions, banks, and fintechs stay relevant and serve people more fairly and intelligently.

Make confident lending decisions—even for those with thin credit files.

Access clean, connected, validated consumer credit data to go to market fast.

Help consumers access better, fairer credit outcomes with smarter underwriting.

Tap into our accurate, validated data to make informed credit decisions with clarity and control.

Powering Consumer-First Financial Innovation

Driving Financial Innovation with a People-First Approach

Our modern, compliant infrastructure is designed for simplicity and scalability, allowing you to focus on what matters most: your consumers.

Bloom+

From Everyday Banking to Credit-Building Engine

Transform recurring payments for rent and utilities in a checking account into seamless credit-building tradelines for your members or customers.

Furnishment

Credit Data Reporting, Simplified

Convert raw data into Metro2-compliant files and furnish to all three bureaus without the technical lift.

Data Access

Complete Credit Visibility

Access tri-bureau credit data via a single API built for underwriting, personalization, or seamless app integration.

Credit Dispute Management

Streamlined Dispute Management

Manage credit disputes effortlessly, efficiently, and compliantly.

Helping Financial Innovators Advance Credit With Clarity and Confidence

Bloom partners with industry leaders to forge a smarter credit ecosystem.

Why Bloom Is the Smart Choice for Credit-Driven Innovation

Bloom drives trust, speed, and growth to help you serve your members or customers better. We know better credit outcomes benefit the entire credit ecosystem, so we designed our infrastructure to help financial data work smarter without sacrificing simplicity or compliance.

Data Quality

Smarter Credit

Speed

Developer Tools

Scalability

Pricing

Accurate, Validated Consumer Credit Data

Our infrastructure combines external financial data that has been validated by consumers to ensure your data is accurate and actionable.

Approve With Confidence, Market With Ease

Smarter data leads to smarter decisions—and the ability to put the right products in front of the right people at the right time.

Proprietary, Trusted, Proven—and Fast

Our infrastructure fuels intelligent underwriting, faster launches, real-time results, and financial momentum, so you can launch in weeks, not months.

Low Lift. High Impact. Compliant by Design.

Launch credit-ready products faster with our developer-friendly infrastructure that keeps things simple and compliant.

Scalable Infrastructure, Designed for Change

We’re built to scale with you and designed to evolve with your strategy.

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. “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