Modern consumer credit intelligence
A clearer view of credit risk.
Congruit adds current payment behavior to the credit decision, giving lenders more context at the moment it matters.
Inside the decision
What a more current credit view includes.
Traditional credit history establishes the foundation. Congruit adds recent outcomes, return activity, and transaction context to show what is happening now.
Traditional bureau foundation
HistoricalCurrent payment results
CurrentActivity from the last 30 days
CurrentReturn history from the last 90 days
CurrentBehavior at the point of decision
ContextACH Exchange
A more current view of payment reliability.
ACH Exchange organizes recent payment outcomes and return history into decision-ready context for lending and recovery workflows.
Where context matters
Built for decisions where payment reliability matters.
Consumer lending
Evaluate risk with more current context.
Add recent payment behavior to approval and funding decisions alongside the traditional credit view.
Inside the decision
One more complete view at the moment of underwriting.
Expanded credit intelligence
Established credit data meets current financial behavior.
Congruit’s partnership with Equifax combines Equifax consumer credit data with Congruit’s behavior-based intelligence and consortium-style payment data to support a more complete view of consumer financial behavior.
Read the announcement ↗VERIFIED INFRASTRUCTURE
Confidence behind every decision.
Scale, verified controls, and connected data support a more reliable view of payment behavior.
SOCControls
Experience behind the platform
Leadership shaped by decades in credit and data.
Tim Ranney
Tim Ranney is the Founder and CEO of Congruit Credit Bureau and a recognized leader in the consumer credit and financial data industry. With over two decades of experience, Tim is best known for founding Clarity Services in 2008, an alternative credit bureau focused on non-prime consumers. Clarity was acquired by Experian in 2017 and became a key player in expanding access to credit for underserved populations.
Widely regarded as an innovator in subprime lending, Tim has been at the forefront of developing data-driven tools that help lenders assess risk for thin-file and no-file consumers. His insights into credit behavior and data trends have made him a sought-after speaker and presenter, including to regulatory bodies such as the CFPB and FDIC.
At Congruit, Tim continues his mission to redefine how creditworthiness is evaluated, bringing smarter, more inclusive solutions to the lending industry.
Jim James
Jim James is the CIO of Congruit Credit Bureau, with over 20 years of experience leading technology teams at both startups and large enterprises. He founded the Clarity platform, a real-time credit and tradeline reporting solution, and continued to lead it after its acquisition by Experian.
At Congruit, Jim is focused on developing innovative, data-driven technology that expands access to credit and drives smarter decision-making across the industry.
Susana Walls
Susana Walls is the Chief Marketing Officer of Congruit Credit Bureau, with more than 20 years of experience leading strategic marketing, brand, and growth initiatives across the credit and financial services industry. She was a key leader behind the Clarity Services brand, helping establish its market presence and supporting its successful acquisition by Experian.
At Congruit, Susana is focused on building the company’s brand and go-to-market strategy and supporting the expansion of its real-time, behavior-based credit intelligence platform.
Industry perspective
Thinking beyond the traditional score.
Perspectives from Congruit on underwriting, payment behavior, and modern credit decisions.
Questions
A focused conversation starts here.
Explore how current payment behavior can complement the information already supporting your decisions.
Congruit adds recent payment behavior, payment outcomes, and transaction-level context alongside traditional credit information.
Congruit presents solutions for consumer lending, peer-to-peer transactions, collections, and identity verification.
ACH Exchange is Congruit’s payment-data resource for understanding recent payment outcomes, NSF activity, return history, and payment reliability.
Congruit has announced a partnership with Equifax to integrate Equifax consumer credit data with Congruit’s behavior-based intelligence and consortium-style payment data.
Request a focused conversation and share where your organization makes lending, payment, recovery, or identity decisions.
Bring a more current view to the decision.
Explore how Congruit could complement your existing credit strategy.