One platform to access, evaluate, and act on regulated credit data.
Whether you're underwriting loans, building a lending product, or qualifying demand: embed 3-bureau credit, fraud, and identity data directly into your workflow. FCRA compliance built in.
1 in 10 Americans had a credit decision powered by CRS
40M+ credit pulls delivered, enabling $75B in lending decisions.
Built by credit data veterans with 45+ years in the industry, CRS delivers mission-critical data to more than 2,000 companies.
Bring any use case. Start building faster. Get approved in days.
Full-spectrum coverage for every type of builder — from non-technical teams to modern AI engineers.
Get StartedConnect via API and MCP
Get sandbox access and start building on day one. SDKs, full docs, and MCP for AI agents.
Order from your browser
Pull, then review data from your browser. Summarize and white label reports to share with your team.
Build no-code cascade workflows
Combine your business logic with regulated credit data to trigger next-best actions instantly. Design multi-step workflows, configure approval criteria, and test logic on synthetic applicants.
The last regulated data vendor you'll ever need.
Cover the full credit lifecycle with purpose-built products.
Acquire
Find and screen applicants before you spend.
Prescreen against your exact credit criteria — no hard inquiry — so you only pay to reach people who will qualify.
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Verify & Underwrite
Pull three bureaus. Decide in seconds.
Access hard and soft pulls, scores, identity, and fraud signals in one call. Get a merged 3-bureau report in seconds.
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Monitor
Turn credit checks into lasting relationships.
Embed score tracking and alerts so customers return to watch their credit improve and stay engaged over time.
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Report & Operate
Cut delinquencies by reporting to the bureaus.
Report tradelines to all three bureaus — automated formatting, credentialing, and disputes handled.
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Built for industries that depend on credit data.
Commercial Lending
The credit data layer powering business risk, KYB, underwriting, and portfolio monitoring.
Commercial lenders need more than a single report to make confident decisions. CRS helps teams access business credit data, ownership intelligence, public records, risk scores, and monitoring products through one platform built for commercial credit workflows.
Common Business Cases
- CaseBusiness credit reports
- CaseKYB and ownership verification
- CaseBusiness risk scoring and underwriting
- CaseLien, judgment, UCC filings, and public record checks
- CaseCommercial data furnishing
- CaseBusiness Marketing Lists
Consumer Lending
Prescreen, prequalify, underwrite, and monitor high volume lending operations with CRS.
BNPL, installment, home improvement, auto, student, and personal loans each need different decisioning logic. Lenders win when the funnel is built for their product, not a generic workflow.
Common Business Cases
- CasePrequalification and prescreen flows
- CaseTargeted marketing list building
- CaseEarly lead qualification
- CaseThree bureau underwriting pulls
- CaseIdentity & background checks
- CaseCredit monitoring and data furnishing
Card Programs
One integration for the full card lifecycle: qualification, decisioning, and portfolio monitoring.
Every fintech launching a card program hits the same wall: negotiating bureau contracts, building integrations, and standing up FCRA workflows before approving a single customer. CRS removes that wall with tri-bureau data and compliant workflows behind a single API, so programs launch in days instead of months.
Common Business Cases
- CaseNew program launches
- CasePrequalification and applicant onboarding
- CaseBalance transfer campaigns
- CaseOngoing account review of open accounts
- CaseCredit monitoring and cardholder engagement
- CaseCard payment data furnishing
Banks & Credit Unions
Modernize credit workflows without replacing the systems you already run.
Banks and credit unions face a different problem than fintechs. Bureau access is not the issue; fragmentation is. Aging direct connections, a separate vendor for every function, and audit demands that span all of them. CRS consolidates tri-bureau data, monitoring, and furnishing into one platform that plugs into your existing LOS and LMS, so you decision faster and stay audit ready without adding another silo.
Common Business Cases
- CasePrequalification with soft inquiries
- CaseUnderwriting and origination through your existing LOS
- CaseActive account and portfolio health monitoring
- CaseConsumer credit monitoring for member and customer engagement
- CaseFurnishing positive data to the bureaus
Auto
Power retail purchasing, refinance, indirect lending, lead scoring, leasing, fleet management, and insurance with CRS data.
Auto finance breaks when buyers & lenders get excited early and then lose the deal at final approval. CRS tightens the link between lead eligibility, the first offer, and the final terms.
Common Business Cases
- CasePre-approval data for dealers and dealer partners
- CaseLead categorization for fintechs
- CasePrequalification data for lenders
- CaseHard inquiry data for underwriters
- CaseAlternative data for private credit funds
- CaseBackground checks for lenders
- CaseEasy platform integrations of over 150 data products
Debt Relief
Improve lead quality and prequalification confidence across consolidation and settlement.
With consumer debt at historic highs, providers are pressured to identify qualified borrowers, engage them earlier with minimum friction, and cut fallout without adding compliance risk. CRS is built for that volume.
Common Business Cases
- CaseTargeted marketing list building
- CasePrescreening by credit score and debt balance
- CaseReal time offer routing
- CasePrequalification credit reports (soft pulls)
Explore all industries
Explore how leading lenders, fintechs, and screening platforms build on CRS.
TRUSTED BY CUSTOMERS
Trusted by teams building in regulated credit.
CRS is the infrastructure behind our credit decisioning. Reliable data, fast integrations, and a team that gets compliance.
James Patel
Head of Underwriting
Fast onboarding / easy integration
CRS was easy to use, with fast onboarding and integration completed in one day.
Verified User
Verified User in Financial Services
Organized insights / usability
Useful insights delivered through a systematic, well-organized experience.
Mohammed A.
Assistant Project Officer
Support + usability + flexible pricing
A seamless UI, accessible documentation, flexible pricing, and support that stays close.
Derrick S.
Licensed Real Estate Salesperson
Easy integration / partnership support
CRS was easy to integrate, with flexible communication and support that felt like a true partnership.
Theo T.
Small-Business (50 or fewer emp.)
Dependable operational support
Reliable, responsive service that removed friction during implementation.
Patricia G.
Founder/CEO
Smooth onboarding / human support
The product was easy to use, onboarding was smooth, and the team helped move from sandbox to production.
Giorgio M.
CTO & Co-Founder
Tailored founder implementation
CRS made credit pulls simple with tailored guidance for a non-technical founder.
Meg G.
CEO / Managing Partner
Fast onboarding / easy integration
CRS was easy to use, with fast onboarding and integration completed in one day.
Verified User
Verified User in Financial Services
Real workflows, real outcomes
Real credit challenges, solved on CRS
See how different operators use CRS to solve complex credit workflows, FCRA compliance, and custom business logic.
Get StartedThe Lender
Workflow
When every loan decision requires stitching together separate data feeds before you can even evaluate risk.
CRS One returns multi-bureau credit, FICO/Vantage/SBSS scores, identity, and fraud signals in one 1–3 second payload — approve qualified borrowers before they leave your funnel.
The Fintech CTO
Workflow
Building and maintaining separate, legacy bureau connections drains engineering velocity and builds massive technical debt.
One modern endpoint for all three bureaus, live in days instead of quarters. Your engineers ship your core product features, not plumbing.
The Revenue Team
Workflow
You have 50,000 leads and a marketing budget that only covers reaching 10,000.
Blanket outreach wastes budget on unqualified prospects who drop out during underwriting. LeadsIQ filters your list against exact credit criteria with zero hard inquiries — returning only prospects who qualify, with enriched phone and email.
The Leasing Manager
Workflow
Manual tenant vetting extends vacancy times while good applicants sign elsewhere.
Juggling separate credit, criminal, eviction, and income verification reports drags out screening and frustrates prospective tenants. CRS bundles 3-bureau consumer credit, eviction records, criminal checks, and income verification in one instant screening report — fill vacancies faster.
The Compliance Team
Workflow
Direct bureau credentialing takes months and often ends in a rejection with no explanation.
CRS is an accredited Credit Reporting Agency and helps you structure your use case to meet FCRA requirements, so your team gets approved in days, instead of months.
Our partnership
Ship ambitious products with credit data veterans.
We don’t just hand you API docs and walk away. Think of us as your forward-deployed credit engineering team, sitting alongside you to clear bureau complexity, streamline compliance, and get you to market fast.
Get StartedCredit infrastructure should open doors, not slow people down.
Building credit-driven products requires infrastructure engineered for speed and backed by official CRA accreditation. We handle the bureau complexity so you can focus on acquiring qualified demand, shipping code, and approving risk with confidence.