The Alternative Credit Bureau

We help lenders give underbanked consumers the credit they deserve by providing the most unique source of alternative credit information not available from the Big 3 bureaus.

Proprietary Consumer Data

Underbanked real-time performance data only available through FactorTrust

Robust Predictive Risk Scores

FactorTrust has more than 100 years experience with analytics and modeling for the underbanked consumer market

Credit Lifecycle Solutions

Live view of new consumer data ensures accurate and dependable, account management and collections

Finally, Underbanked Consumer Data You Can Trust

Alternative credit data, analytics and risk management solutions that help lenders assess underbanked consumers' ability to repay...since 2005

Lend More

Identify more low-risk consumers by accessing the largest database of alternative consumer tradeline data.

Less Risk

Utilize our extensive underbanked data and consumer scoring models built for the alternative financial services marketplace.

Lifecycle Management

Employ tailored data solutions addressing the credit lifecycle – acquisition, account management and collections

About FactorTrust

FactorTrust, The Alternative Credit Bureau, helps lenders manage the credit lifecycle of underbanked consumers using unique alternative credit information not available from the Big Three bureaus, enabling them to offer non-prime consumers the credit they deserve.

Leveraging the company’s credit information, lenders can more accurately predict future borrowing behavior, credit performance and risk scoring for this growing segment. FactorTrust’s team of predictive analytics specialists, statisticians and financial industry experts has delivered unique data and valuable insight to lenders throughout the U.S. and the U.K. for nearly ten years.


Alternative Lending

This segment is comprised of short-term and installment lenders. Better data allows you to broaden your market opportunity without greater exposure to risk.


Consumer Finance

A strategy that utilizes alternative performance data allows a finance company to truly know and grow their customers.



By leveraging alternative data, insurance carriers are improving ratings, underwriting accuracy and reducing premium shrinkage.


Auto Lending

A growing class of consumers has the ability to pay a car loan but their traditional credit file is either too thin or challenged to obtain financing from a bank or auto manufacturer.


Credit Cards

Having more relevant and timely data allows credit card companies to better manage their portfolio of accounts by mitigating losses and maximizing profits.



Better analytics and modeling derived from recent consumer tradeline data helps mobile carriers steer appropriate consumers to higher yielding post-paid services without exposure to unacceptable risk.



For the collections industry, nothing is more important than having access to accurate and recent contact data.


Credit Unions

Larger financial institutions are looking to grow their customer base and the underbanked population is a prime area of focus.

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