FactorTrust
FactorTrust is an Atlanta-area alternative credit bureau and short-term lending risk-scoring platform, operating as a TransUnion subsidiary. It provides alternative credit data, first-payment default prediction, and fraud/identity tools to short-term and subprime lenders across the U.S.
- Company typePrivate
- Founded2005
- HeadquartersRoswell, United States
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What FactorTrust does
FactorTrust is an alternative credit bureau and risk-scoring platform headquartered in Roswell, Georgia (near Atlanta), founded in 2005 and operating as a wholly-owned subsidiary of TransUnion (NYSE: TRU). The company specializes in alternative credit data solutions for the short-term and subprime lending market, offering products such as the TruVision Blended Short-Term Risk Score (designed to better predict first-payment defaults), the CreditVision Link Short-Term Risk Score (leveraging more than 100 million short-term transaction records to provide subprime consumer insights), and identity verification tools integrated with TransUnion's TruValidate suite. Its platform combines traditional credit behavior data with alternative credit information, claiming coverage that enables risk segmentation across approximately 95% of the U.S. population.
The company's primary customer segment is alternative lending and short-term lenders, including payday and subprime credit providers that need to assess credit risk on consumers with limited traditional credit history, predict first-payment defaults, and protect against fraud. FactorTrust is accessed via a dedicated secure login portal at factortrust.com, distributed through TransUnion's enterprise sales infrastructure and client technical services. The platform supports use cases spanning customer acquisition, underwriting model powering, fraud detection, and loss reduction, with complementary skip tracing and risk management tools providing a 360-degree view of members.
FactorTrust's business model is built on data subscriptions and risk scoring services sold to financial institutions, though pricing is not publicly disclosed. The company was acquired by TransUnion and prior to that raised a $42 million funding round in November 2015 from ABS Capital Partners and MissionOG. Leadership is lean, with 11-50 employees, including Director Michael Avon and National Sales Director Kelly Rossi. The unit operates without separately reported financials within TransUnion's broader U.S. Information Services segment, and its marketing is largely integrated into TransUnion's content, webinar, and research report channels.
FactorTrust firmographics
Firmographics- Name
- FactorTrust
- Legal name
- FactorTrust
- Website
- https://factortrust.com
- Company type
- Private
- Founded year
- 2005
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- FactorTrust is an Atlanta-area alternative credit bureau and short-term lending risk-scoring platform, operating as a TransUnion subsidiary. It provides alternative credit data, first-payment default prediction, and fraud/identity tools to short-term and subprime lenders across the U.S.
- Ownership category
- akta.pro rank
FactorTrust industry classification
Industry- Product category
- Credit Data & Risk Analytics
- NAICS
- Credit Bureaus (561450), Activities Related to Credit Intermediation (5223)
- SIC
- Services-Consumer Credit Reporting, Collection Agencies (7320)
- akta.pro primary industry
- Credit Bureaus & Consumer Credit Reporting Agencies (FSAKAKAA)
- akta.pro secondary industries
- Alternative / Non-Traditional Credit Data Providers (FSAKAKAB), Credit Score Monitoring & Credit Building (FSAGADAE)
Keywords
Where FactorTrust is headquartered
LocationHeadquarters
- HQ city
- Roswell
- HQ country
- United States
- HQ region
- North America
Markets served
FactorTrust business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Infrastructure, Marketing or Sales
Distribution channels1 record
Marketing channels3 records
FactorTrust product offering
Product offeringCore offering
FactorTrust is an alternative credit bureau that provides credit data and risk scoring solutions specifically for the short-term lending market. It enables lenders to assess the creditworthiness of subprime and underbanked consumers using alternative credit data combined with traditional credit behavior data, supporting customer acquisition, underwriting, fraud protection, and loss reduction across the alternative lending industry.
Product overview
FactorTrust is a TransUnion subsidiary focused on alternative lending solutions, providing credit data services for underbanked consumers. FactorTrust operates as a separate login portal (factortrust.com) from TransUnion's main platform, serving the alternative credit and short-term lending market. The source data shows FactorTrust is accessed via its own authentication system and is positioned within TransUnion's alternative lending industry solutions.
Differentiator
Problem solved
Functional benefit
Products and services
- FactorTrust Alternative Credit Data Platform
Companies that use FactorTrust
Customer profileSegments1 record
Ideal customer profiles1 record
FactorTrust technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
FactorTrust partnerships and signals
Strategic signalRecent moves1 record
Expansion highlights3 records
FactorTrust competitors and assessment
Company assessmentDirect peers
- MicroBilt: Provider of alternative credit, fraud, and identity data used by short-term and small-dollar lenders. Competes with FactorTrust in delivering non-traditional credit data and risk scores to subprime lenders.
- Teletrack: Specialized credit reporting service for non-prime and short-term lenders, now part of Equifax. Directly comparable to FactorTrust in serving payday, installment, and subprime lenders with alternative credit data.
- DataX: Credit data and risk-scoring platform focused on alternative and short-term lending, comparable to FactorTrust's niche of underwriting subprime and thin-file consumers for non-bank lenders.
- Clarity Services: Alternative credit bureau specializing in short-term and subprime lending risk data, acquired by Experian. Most direct competitor to FactorTrust in the same short-term lending vertical with overlapping data and scoring products.
- SageStream: Alternative credit data provider that supplied non-traditional scoring for subprime consumers; was acquired by Equifax. Directly comparable to FactorTrust's alternative-data and thin-file scoring capabilities.
Broad incumbents
- Equifax: One of the three major U.S. credit bureaus; competes with FactorTrust broadly through its consumer credit reporting franchise and specifically through Teletrack in the short-term lending niche.
- Experian: Global credit bureau with North American consumer and business credit data products; competes with FactorTrust directly via its Clarity Services subsidiary and broadly through its suite of credit risk solutions.
- LexisNexis Risk Solutions: Provides alternative credit, identity verification, and fraud data to lenders and other industries. Comparable to FactorTrust as a broad data and risk analytics provider with alternative-data capabilities reaching short-term lenders.
- TransUnion: Parent company of FactorTrust and one of the three major U.S. credit bureaus. Overlaps with FactorTrust in providing alternative credit data and short-term risk scores through its TruVision product family.
Emerging players
- Plaid: Open-banking data connectivity platform whose bank-account transaction data increasingly powers underwriting models for non-prime and short-term lenders. Represents an emerging alternative-data source that competes with FactorTrust's core data asset.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks5 records
Key highlights5 records
Customer concentration
FactorTrust social profiles
Digital presenceFactorTrust financial estimates
Financial estimateRevenue estimate
Valuation estimate
FactorTrust leadership team
Management profileNumber of profiles
Profiles2 records
FactorTrust funding detail
Funding detailFunding overview
Funding rounds1 record
Investors2 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
FactorTrust M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about FactorTrust
What does FactorTrust do?
FactorTrust is an alternative credit bureau that provides credit data and risk scoring solutions specifically for the short-term lending market. It enables lenders to assess the creditworthiness of subprime and underbanked consumers using alternative credit data combined with traditional credit behavior data, supporting customer acquisition, underwriting, fraud protection, and loss reduction across the alternative lending industry.
Is FactorTrust a public or private company?
FactorTrust is a private company. It is classified as corporate owned and is currently operating.
When was FactorTrust founded?
FactorTrust was founded in 2005. It employs 11 to 50 people.
Where is FactorTrust based?
FactorTrust is headquartered in Roswell, United States, in the North America region.
Who are FactorTrust's main competitors?
Direct peers on record are MicroBilt, Teletrack, DataX, Clarity Services and SageStream. Broad incumbents are Equifax, Experian, LexisNexis Risk Solutions and TransUnion. Plaid is listed as an emerging player.
Does FactorTrust have an API?
No public API is recorded for FactorTrust.
What industry is FactorTrust in?
FactorTrust's product category is Credit Data & Risk Analytics. Its primary akta.pro industry code is FSAKAKAA, Credit Bureaus & Consumer Credit Reporting Agencies, with a secondary code of FSAKAKAB, Alternative / Non-Traditional Credit Data Providers. Its NAICS code is 561450 and its SIC code is 7320.