Credit Bureau Connection

What Credit Bureau Connection does

Credit Bureau Connection, now operating under the Informativ brand, is a US-based B2B software provider specializing in credit reporting and regulatory compliance solutions for the automotive finance ecosystem. Founded in 2010 and headquartered in Fresno, California, with a secondary office in Frisco, Texas, the company serves auto dealers, lenders, and brokers across the automotive, RV, motorcycle, marine, and power sports industries. Its flagship platform, eCredit Complete, delivers real-time credit report retrieval from all three major US credit bureaus (Experian, TransUnion, Equifax) bundled with an "all-inclusive" compliance suite covering FACTA Red Flags Rule, adverse action fulfillment under ECOA, risk-based pricing notices, and Military Lending Act compliance. The company has expanded its product surface to include identity verification (eVerifyID via Mitek's computer vision), synthetic fraud detection, secure document management (eVault), online prequalification tools (eQualify Online, eCredit Online), automated income verification through The Work Number, and license-plate-to-VIN recognition.

The platform's technical architecture is built around a unified web-based application with compliance modules integrated directly into the credit report workflow, hosted in a SOC 2 Type 2-compliant cloud environment with ISO 27001-aligned security practices. CBC operates an extensive integration ecosystem spanning more than 30 partners, including leading dealer CRM and DMS systems (DealerSocket, VinSolutions, ELEAD1ONE, AutoManager, PBS Systems), lender networks (DealerTrack, RouteOne), and a broad F&I compliance affiliate network. The company also offers custom API integration services connecting its platform with in-house loan origination systems, CRM platforms, solar companies, and online finance providers, supporting real-time credit retrieval, adverse action processing, and risk-based pricing. In 2022, CBC expanded its capabilities and scale through two acquisitions — Dealer Safeguard Solutions (February 2022) for compliance and F&I workflow software, and CreditDriver Solutions (October 2022) for credit check technology — and subsequently rebranded to Informativ while continuing to operate under the CBC brand for existing customers.

CBC's business model combines usage-based revenue from credit report transactions with recurring subscription revenue from dealers and lenders accessing the eCredit Complete platform and compliance modules. The go-to-market is sales-led, supplemented by a channel partner network of credit integration affiliates and lender network partners. Pricing is not publicly disclosed and is quote-based, tailored to dealer and lender needs. The company has raised no disclosed outside funding across four indicated funding events and operates with a lean headcount (listed at 1-10), suggesting a bootstrapped or self-funded operating model with acquisition-driven expansion. Leadership consists of CEO K C Wong and Executive Chairman Rick Pleczko, with The CapStreet Group noted as an investor.

Name

Credit Bureau Connection

Legal name

Credit Bureau Connection

Website

https://creditbureauconnection.com

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

1–10 employees

Short description

Credit Bureau Connection, operating as Informativ, provides credit reporting, compliance, and fraud detection software to automotive dealers, lenders, and brokers across the US, with its eCredit Complete platform integrating Experian, TransUnion, and Equifax alongside bundled regulatory compliance tools.

Ownership category

akta.pro rank

Product category

Automotive Credit Reporting and Compliance Software

NAICS

Activities Related to Credit Intermediation (5223), Other Activities Related to Credit Intermediation (522390), Credit Bureaus (561450)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Credit Bureaus & Consumer Credit Reporting Agencies (FSAKAKAA)

akta.pro secondary industries

Income, Employment & Cash-Flow Verification (Consumer) (FSAKAKAE), Alternative / Non-Traditional Credit Data Providers (FSAKAKAB), Credit Bureau Reporting & Dispute Management Support (FCRA/CRA Ops) (BPAAAEAI)

Keywords

• Credit reporting services
• Automotive compliance solutions
• Dealer credit reports
• Credit bureau integration
• F&I compliance software

Headquarters

HQ city

Fresno

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Infrastructure, Operations, Marketing or Sales

Revenue model

1. Credit Report Services: Revenue generated from credit report transactions and subscription-based access to the eCredit Complete platform. Users pay per credit report or through recurring subscription plans for ongoing access to credit reporting and compliance tools.
2. Subscription Services: Recurring subscription revenue from dealers and lenders for platform access, compliance tools, and reporting services.

Go-to-market motion2 records

Distribution channels2 records

Marketing channels3 records

Core offering

Credit Bureau Connection (CBC / Informativ) provides a credit reporting and compliance platform for the automotive industry. The flagship eCredit Complete product delivers real-time tri-bureau credit reports from Experian, TransUnion, and Equifax alongside bundled compliance modules for Red Flags, adverse action, risk-based pricing, Military Lending Act, and synthetic fraud. The company also sells identity verification (eVerifyID), online prequalification and application tools, API integration services, and supplementary data services such as liens and judgments, automated income check, alternative credit data, The Work Number, and Plate to VIN.

Product overview

Credit Bureau Connection (CBC), operating under the Informativ brand, offers a comprehensive credit reporting and compliance platform primarily serving automotive dealers and lenders. The core product, eCredit Complete, provides real-time credit report retrieval from all three major bureaus (Experian, TransUnion, and Equifax) integrated with compliance tools. The platform operates on a unified architecture with compliance modules including Red Flags compliance, adverse action fulfillment, risk-based pricing notices, and military lending act compliance built into the core or available as add-ons. Additional products include identity verification (eVerifyID), synthetic fraud detection, secure document management (eVault), online credit application tools (eQualify Online, eCredit Online), and form automation (eZ Form-Fill). CBC also offers supplementary data services including liens and judgments searches, automated income verification, alternative credit data, The Work Number employment verification, and Plate to VIN vehicle identification. The company has expanded through acquisitions including Dealer Safeguard Solutions (2022) and CreditDriver Solutions (2022), strengthening its compliance and credit offerings.

Differentiator

Problem solved

Functional benefit

Products and services

• eCredit Complete Web-based credit report processing portal and management system that gives auto dealers and lenders real-time access to Experian, TransUnion, and Equifax credit reports, with integrated compliance modules including Red Flags compliance, adverse action processing, and risk-based pricing notices.
• eVerifyID Identity verification solution that uses computer vision technology to scan and authenticate identity documents such as driver's licenses and state IDs for fraud prevention and compliance purposes.
• API Integration Services Custom API integration services that connect CBC's credit reporting and compliance capabilities with in-house loan origination systems, CRM platforms, solar companies, and online finance providers, enabling real-time credit report retrieval, adverse action processing, risk-based pricing, and compliance verification integration.
• eQualify Online Web-based consumer prequalification tool that allows potential buyers to check their creditworthiness before visiting a dealership, improving the sales process and customer experience.
• eCredit Online Online credit application portal that enables consumers to complete and submit credit applications digitally through dealer websites, generating ready-to-buy leads for dealerships.
• eZ Form-Fill Digital form completion solution that streamlines the credit application process by auto-filling consumer information and reducing data entry time and errors.
• The Work Number Automated employment and income verification data service providing employment and income information to streamline credit decisioning.
• Plate to VIN Vehicle identification service that uses license plate recognition to retrieve vehicle identification numbers and corresponding vehicle information for inventory and verification purposes.
• Automated Income Check Income verification service that automates the verification of consumer employment and income information to streamline credit decisioning.
• Liens and Judgments Public records data service that searches for liens, judgments, and other encumbrances that may affect a consumer's creditworthiness or vehicle ownership.
• Alternative Credit Data Service providing access to alternative credit data sources beyond traditional credit bureau reports to help assess consumers with limited credit history.
• Soft Pull Solutions Soft pull credit inquiry solution that enables credit prequalification without impacting consumer credit scores, supporting dealer prequalification workflows.
• Auto Finance Summary Auto-finance-specific credit summary report tailored for automotive lending decisions, consolidating bureau data into a finance-oriented view.
• Multi-Bureau Summary Consolidated multi-bureau summary report combining data from Experian, TransUnion, and Equifax into a single view for dealer and lender decisioning.
• Compliance Management Compliance management workflow solution that enables auto dealerships to centrally manage regulatory compliance processes and documentation.
• Compliance Dashboard Dashboard providing visibility into compliance status, audit trails, and regulatory reporting across dealership operations.

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration35 records

AI capability4 records

Feature1 record

Partnerships

Three partnerships are on record, tiered core.

• Credit Integration AffiliatescoreTechnology or IntegrationTechnology integration partners that connect with the eCredit Complete platform to provide seamless credit reporting services. These affiliates enable dealers to access credit data through integrated workflows.
• Lender Network PartnerscoreChannel Partner/ Reseller/ DistributorFinancial lenders and financing institutions that partner with Credit Bureau Connection to receive credit applications and process loans through the dealer network. Partners include major automotive finance companies.
• Credit Reporting AgenciescoreTechnology or IntegrationIntegration partnerships with credit bureaus (Equifax, Experian, TransUnion) to access consumer credit data for automotive credit reporting and decisioning.

Scale indicators2 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Dealertrack (Cox Automotive): Dealer-facing credit application routing and lender network platform that competes head-on with CBC's eCredit Complete; DealerTrack is also listed as a CBC lender network partner, illustrating the overlap.
• RouteOne: Credit application network connecting auto dealers with finance sources; directly comparable to CBC's lender network and credit application functionality and listed as a CBC partner.
• eLEND Solutions: Auto credit application and compliance platform serving dealerships; overlapping product scope with eCredit Complete and the broader CBC compliance suite, and listed as a CBC integration affiliate.
• Soft Pull Solutions: Provider of soft-pull credit reports and prequalification tools to automotive and powersports dealers; directly comparable to CBC's Soft Pull Solutions and eQualify Online offerings.
• F&I Express (StoneEagle): F&I product aggregation and compliance solutions for auto dealers; overlaps with CBC's compliance suite (Red Flags, Adverse Action, Risk-Based Pricing) and is a listed CBC integration affiliate.
• AutoFi: Digital auto finance platform offering online credit applications, prequalification, and dealer-to-lender workflows; competes with CBC's eCredit Online and eQualify Online in the dealer prequalification space.

Broad incumbents

• DealerSocket (CDK Global): Large dealership CRM/DMS with credit integration affiliates; broader portfolio player that competes with parts of CBC's workflow via integrated credit reporting and is also a CBC partner.
• CDK Global: Major dealership management systems provider whose DealerSocket and F&I Express units overlap with CBC's credit and compliance functionality; broader incumbent with deeper dealer relationships.
• Reynolds and Reynolds: Established DMS and F&I solutions provider serving auto dealers with credit application and compliance capabilities that overlap with CBC's platform; broader incumbent rather than niche specialist.
• PBS Systems: DMS provider for RV, marine, powersports, and auto dealers with credit and F&I integrations; broader incumbent covering many of the same verticals CBC targets beyond core auto.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/cbcecredit
• Facebookfacebook.com/cbcecredit

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries2 records

Funding overview

Funding rounds1 record

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A2 records

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Credit Bureau Connection