Build a Consumer Fintech Platform
One credit API to build your entire consumer lending program.
Debt consolidation, auto, HELOCs, card programs, BNPL, EWA — every consumer credit product runs on the same five moves: screen, pull, target, monitor, verify. CRS puts all five behind one API, with FCRA compliance built in and technical and compliance approval done in as little as 5 days.
- 01 · UnderwritePull three bureaus. Decide in seconds.
- 02 · Screen Before You PullKnow who qualifies before you spend a soft pull.
- 03 · TargetBuild the audience you actually want to reach.
- 04 · MonitorTurn one decision into a lasting relationship.
- 05 · VerifyConfirm who they are before you fund them.
Getting Started
From first API call to full platform, in three steps.
No drawn-out sales cycle, no separate vendor for every product. Connect once, get approved fast, then build out the rest of your program on the same account.
01
Start pulling real data today, no sales call required.
Get sandbox access, grab your API key, and see a live credit pull, eligibility check, or monitoring alert running in your own environment before you commit to anything.
02
Get approved in as little as 5 days.
CRS is a registered Credit Reporting Agency with a direct bureau relationship, so approval isn't a black box — and FCRA compliance is built in from day one, not bolted on after.
03
Add targeting, screening, and monitoring whenever you're ready.
Same account, same API key. Layer in LeadsIQ to build your audience, OffersIQ to screen before you pull, and monitoring triggers to bring customers back — no new contract, no new integration.
The Consumer Lending Stack
The last regulated data vendor you'll ever need for consumer credit.
Five products, one API, sequenced the way a real lending program actually runs — from first look to lasting relationship.
- UnderwritePull three bureaus. Decide in seconds.
Access soft and hard pulls, FICO/Vantage scores, identity, and fraud signals in one call — a merged multi-bureau report in 1–3 seconds. The same pull works whether you're underwriting a HELOC, approving a BNPL split, or funding an EWA advance.
Explore CRS One- Screen Before You PullKnow who qualifies before you spend a soft pull.
Set your eligibility rules — credit band, DTI, loan amount, program type — and check a consumer against them without a soft inquiry. OffersIQ returns a match, not a full report.
Explore OffersIQ- TargetBuild the audience you actually want to reach.
Set your own custom criteria and pull a list of consumers who already fit your program, with phone and email appended in the same request.
Explore LeadsIQ- MonitorTurn one decision into a lasting relationship.
Monitor score and account movement with dashboards. Get triggered the moment a declined or dormant customer becomes eligible for your next offer.
Explore Credit Monitoring- VerifyConfirm who they are before you fund them.
Identity verification and background checks purpose-built for auto, banking, and mortgage lending — catch fraud without adding friction to funding.
Explore Identity, Risk & Fraud
Pulls, screening, targeting, monitoring, and identity verification all live on one account. Run all five from day one, or start with one and add the rest as your program grows — same account, same API key, no re-integration.
Powering programs across
- Debt Consolidation
- Auto Lending
- HELOCs
- Card Programs
- BNPL
- EWA
Why CRS
Registered CRA, direct bureau access
A real credit reporting agency relationship, with a partner to navigate compliance and permissible purpose, not a reseller.
Live in as little as 5 days
Intuitive UI and API get you onboarded without a multi-month implementation project.
Competitive data, white-glove support
Teams report 15%+ improvement in performance and conversion after switching.
Trusted by Customers
Trusted by teams building consumer credit products.
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
Our Partnership
Ship ambitious consumer 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 your program to market fast.
- Compliance, Solved Together
Use case outside the bureau's standard box? We re-sequence compliance with you to get approved in days.
- Architecting Your Use Case
You bring the product vision; we design the data architecture. Our solutions engineers map the exact attributes to make it live.
- Trusted with the hard cases
When a lending model is too new or too niche for the bureaus' own teams, they send it to us. From complex attribute mappings to edge cases, we stay until you ship.
Your consumer lending program shouldn't need five vendors to run.
Screen, pull, target, monitor, and verify — on one platform, with compliance built in from the start.