Product
DataX Credit Report
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Gain deeper visibility into non-prime and thin file consumer behavior with alternative finance data. Evaluate risk, automate decisions, and serve under-served consumers.
Bring More Borrowers into View with Alternative Finance Credit Data
The DataX Credit Report provides a more inclusive view of consumer creditworthiness by integrating verified alternative finance data sources such as rent or lease-to-own, short term loans. Designed for fintechs, non-traditional providers, and lenders, it helps businesses evaluate consumers with limited or no traditional credit history, automate credit approvals, and reduce fraud and default risk. With real-time access and a robust scoring framework, DataX empowers smarter decisions and supports greater financial inclusion.
Use Cases Across Industries
Alternative Finance and Specialty Finance
Rapidly assess applicants with limited credit history and automate personal loan approvals.
BNPL Providers
Make real-time decisions at checkout using alternative credit data, expanding access for new-to-credit consumers.
DataX Can Help You Score More Customers
By leveraging unique, exclusive access to industry-leading alternative finance and non-traditional data, DataX helps propel your lending practices by better assessing risk and identifying more prospects and areas for growth.
Data Ingestion
DataX collects alternative finance consumer data sources such as non-traditional loans including short term, rent or lease to own.
Analytics & Scoring
Advanced analytics and proprietary scoring models extract patterns that indicate creditworthiness and risk.
Report Delivery
The final report is delivered in real-time or near real-time, enabling instant credit decisioning.
A Smarter Way to Evaluate New Customers
With verified, real-time alternative data, the DataX Credit Report unlocks lending opportunities that traditional credit reports miss—helping you grow your customer base while managing risk with confidence.
Frequently Asked Questions
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