Bureau's Credit Risk Score solution provides real-time credit risk assessment using alternate data signals — phone intelligence, email intelligence, social footprint analysis, and Bureau's proprietary Graph Intelligence Network (GIN). Assess creditworthiness in under 500ms — even for thin-file and new-to-credit customers.

One single API. Instant credit decisioning. Bureau performs live lookups across phone telco, email intelligence, social footprint signals, and the Graph Network — returning a comprehensive credit risk score with 200+ alternate data signals. Works alongside traditional bureau scores to reduce default rates by 25% while approving more genuine applicants.

Bureau's GIN maps 1B+ identities globally, providing deep identity intelligence that traditional credit bureaus miss. Ideal for thin-file customers, gig workers, and emerging markets where traditional credit data is sparse. Combined with 200+ social and digital signals, Bureau delivers a holistic credit risk picture in real time.