Banks & Credit Unions
Bureau access isn't the problem. Fragmentation is.
CRS gives banks and credit unions tri-bureau credit, identity, monitoring, and furnishing through one integration. It works alongside the core and LOS you already run.
What does CRS do for banks and credit unions?
CRS is one platform to access, evaluate, and act on regulated credit data. Banks and credit unions use it to replace separate vendors with one integration and one contract.
- Soft and hard pulls from Equifax, Experian, and TransUnion through one API
- FICO and VantageScore models, plus add-ons like Trended Data and OFAC screening
- Identity, KYC, and fraud signals returned with the credit data
- Account Monitoring, Credit Monitoring, and Data Furnishing on the same integration
- LeadsIQ and OffersIQ to grow across the member lifecycle
One platform
Why does credit data feel harder than it should?
Credit, identity, monitoring, and furnishing often sit with four vendors, each with its own contract and audit.
Fewer vendors, one integration, one contract.
Where does CRS fit in the systems you already run?
One integration covers every stage of the member lifecycle.
01
Reach
LeadsIQ
Build lists of new households that fit your criteria.
02
Match
OffersIQ
See which offers each member matches.
03
Decide
Tri-bureau credit
Soft and hard pulls with FICO and VantageScore models.
04
Monitor
Account Monitoring
Single account reviews or scheduled portfolio monitoring.
05
Engage
Credit Monitoring
Score tracking and alerts inside online and mobile banking.
06
Report
Data Furnishing
Report tradelines to all three bureaus.
What runs through the one integration?
Start with credit and add the rest when you need it.
See every score model and add-on- Tri-bureau credit
Soft and hard pulls through one integration, inside the LOS you already run.
- One API with access to all 3 bureaus and 200+ data feeds
- FICO 8, 9, and 10, FICO Auto Scores, VantageScore 3.0 and 4.0
- Add-ons like Trended Data, OFAC screening, and Income Insight
Availability varies by bureau and permissible purpose.
- Identity and fraud
Identity, KYC, and fraud signals come back with the credit data.
- CRS Fraud Finder, powered by Experian data
- Partners include Socure, LexisNexis, and the three bureaus
- Business credit
Business credit reports, business identity reports, and lien data reports for member business lending.
- Same platform and contract as consumer credit
- Account Monitoring covers commercial accounts too
Infrastructure that stays up
What happens when your primary bureau goes down?
With CRS, you switch bureaus and keep lending.
- Switch bureaus if your primary is down
- Change score models and add-ons without rebuilding workflows
- Run soft and hard pulls through the same integration
- Primary bureauDown
- Bureau 2SwitchedLive
- Bureau 3Live
- 99.9%
- Uptime. Check live status on the CRS System Status page.
- 1 to 3 sec
- Multi-bureau credit, FICO and VantageScore scores, identity, and fraud signals in one payload
- Under 2 sec
- Average time to fully process a credit report request
- Millions
- Of requests supported every month
Response times do not apply to merged or tri-merge reports.
Member growth
How can banks and credit unions grow without adding vendors?
The integration that pulls credit can also reach new members, match offers, and watch the book.
Risk signals after the loan funds
- Personal or commercial accounts, one at a time or the whole book
- Runs through the same integration, with no separate endpoint to build
A reason to log in between loans
- Member-facing score tracking and alerts in online and mobile banking
Three ways to launch Credit Monitoring
- 01
iFrame widget
About 30 minutes
- 02
Hybrid widget
Roughly one day
- 03
Full API integration
About two weeks
Report to all three bureaus
- Consumer tradelines by API or CSV and Excel upload
- Validation runs on every record you submit
- Every dispute response tracked end to end
Already furnishing through your core? CRS is an option, not a requirement.
Take it back to your team
What will your team ask about CRS?
Here are short answers to the three questions every review asks.
- Cost and vendorsWhere do we reduce cost and vendors?
One CRS contract and one integration replace separate bureau and vendor relationships.
- One contract instead of three with the bureaus
- One API for credit, identity, monitoring, and furnishing
- OffersIQ has no charge for non-hits
- LeadsIQ has no minimum order size
- Technical liftDo we need to replace our core or LOS?
No. CRS connects to the systems you already run, through API or file-based processes.
- 01
Scope
We map your products and workflows to your core and LOS.
- 02
Vetting
Clear one credentialing process with CRS instead of three.
- 03
Start ordering
Order reports from a browser while the integration is built.
- 04
Go live
Connect by API or file. First pull in as little as 5 days.
- 01
- Trust and reputationHow does CRS hold up in a vendor review?
CRS gives your team one accredited partner to review instead of several.
- Accredited CRA with all three bureaus
- SOC 2 Type II certified, with data encrypted in transit and at rest
- A dedicated contact and a 24-hour support line
- CRS handles all direct communication with the bureaus
Built for high-volume, high-stakes decisions
- 2,000+
- Companies receive mission-critical data from CRS
- 1 in 10
- Americans had a credit decision powered by CRS
- 40M+
- Credit pulls delivered, enabling $75B in lending decisions
- 98%
- Annual retention
- 4.8 / 5
- Rating on G2
Built by credit data veterans with 45+ years in the industry.
Trusted by
What changes for each team?
Forward this page to the people below. Each one gets a different first win.
| Team | What changes | Start with |
|---|---|---|
| Chief Lending Officer and consumer lending | Faster multi-bureau pulls, and the right offer for every member. | Tri-bureau credit · OffersIQ |
| Chief Risk Officer | One accredited partner to review, plus risk signals after funding. | Account Monitoring |
| CIO or CTO | Fewer integrations, and a backup when a bureau goes down. | One API · 99.9% uptime |
| CMO or VP of Marketing | Reach new households that fit your lending criteria. | LeadsIQ |
| VP of Digital Banking | Personalized offers at account opening, and a reason to log in. | OffersIQ · Credit Monitoring |
| Member business lending | Business credit and lien data from the same platform. | Business credit |
| Collections | Early signals across the whole book. | Portfolio monitoring |
| CEO | One platform across the credit lifecycle. | The full platform |
Keep reading
Guides from the CRS team on the questions behind this page.
Work with CRS
See how CRS fits your stack.
Tell us what you run today. We'll map credit, identity, monitoring, and furnishing to it.
FAQ
What does CRS do for banks and credit unions?
CRS gives banks and credit unions tri-bureau credit, identity, monitoring, and furnishing through one integration and one contract. It works alongside the core and LOS you already run.
Does CRS work with both large banks and community-focused institutions?
Yes. CRS supports large institutions and community-focused banks and credit unions, from lean teams to multi-unit organizations.
Which bureaus can we access through CRS?
Equifax, Experian, and TransUnion, through one API. Identity and fraud data also comes from partners such as LexisNexis and Socure.
Do you support soft and hard inquiry workflows?
Yes. Soft and hard pulls run through the same integration.
What are master codes and why do they matter?
Master codes help standardize how bureau products and options are ordered and tracked. CRS has a large library of them, which helps you onboard faster.
Do we need to replace our core or LOS to use CRS?
No. CRS connects through API or file-based processes, alongside the systems you already run.
How does CRS help banks and credit unions modernize without a full core replacement?
CRS layers credit, identity, and monitoring on top of existing systems through API. You improve underwriting and monitoring without rebuilding your core stack.
How long does it take to get started?
First pull can happen in as little as 5 days. Timing depends on your team's readiness.
Can we use CRS to power consumer credit monitoring inside our digital banking experience?
Yes, inside your online and mobile banking. Launch takes from about 30 minutes with an iFrame widget to about two weeks for full API integration.
Does CRS support consumer data furnishing?
Yes. CRS furnishes consumer tradelines to Equifax, Experian, and TransUnion, by API or CSV and Excel upload.
What is the difference between a one-time account review and batch portfolio monitoring?
An account review checks one account for a specific decision. Scheduled portfolio monitoring watches many accounts across all three bureaus over time.
Is CRS a credit reporting agency?
Yes. CRS is an accredited CRA with all three bureaus and is SOC 2 Type II certified.
How does CRS help with member experience for credit unions?
Faster decisions mean less back-and-forth for members. OffersIQ and Credit Monitoring add reasons to engage between loans.
How does consumer credit monitoring help the institution?
It gives members a reason to open your app between loans. Score tracking and alerts sit inside your online and mobile banking.
What is OffersIQ?
OffersIQ matches each member with the right offer, using custom rules built around your business. Rule set changes take effect instantly, and there is no charge for non-hits.
What is LeadsIQ?
LeadsIQ builds prescreen lists for firm offers of credit, using 50+ custom credit attributes. Phone and email append come back in the same pull.
What's the difference between OffersIQ and LeadsIQ?
OffersIQ matches members you already serve with the right offer. LeadsIQ builds prescreen lists of new households for firm offers of credit.