Agility Credit

What Agility Credit does

Agility Credit LLC is a Las Vegas-headquartered, API-first credit intelligence platform founded in 2021 serving automotive dealers and lenders, banks and credit unions, and fintech platforms. The firm provides direct access to Experian, Equifax, and TransUnion credit data alongside identity verification, KYC, driver's license authentication, income/employment verification, compliance enforcement workflows, digital credit applications, and consumer pre-fill tools. Core delivery is through a RESTful API with JSON/XML/PDF/HTML output formats, plus a web-based admin console and batch processing, all hosted on a multi-tenant, containerized AWS framework operating under a 99.95% uptime SLA with sub-second API response times and capability to handle millions of transactions.

The platform's technical foundation centers on a tri-bureau normalized data model exposing over 2,000 preconfigured credit attributes that power scorecards, decisioning, and portfolio analytics. Native integrations with DealerTrack, RouteOne, Salesforce, and MeridianLink embed credit and KYC workflows directly into dealer and lender systems. Security and compliance are positioned as a primary moat, with SOC 2 Type 2, ISO 27001, PCI DSS, FCRA, GLBA, Reg Z, FTC, and CCPA alignment stated across the platform. Encryption uses AES-256 for data in transit and at rest, and dynamic configuration allows per-client workflow customization without code changes.

Agility Credit generates revenue through a hybrid pricing model combining per-transaction fees (credit reports, identity checks, income/employment verifications) with monthly minimum subscriptions tiered at $50 (one bureau), $75 (two bureaus), and $100 (tri-bureau), plus late-payment penalties on overdue invoices. Customer concentration is diversified across named automotive finance, lending, and technology services clients (WithClutch, Fund&Grow, Cloud Maven). The company markets through its website, API documentation hub, partner pages, and LinkedIn, with direct enterprise sales engagements initiated via contact form and scheduled meetings. Geographic reach spans the U.S., Canada, Puerto Rico, Guam, and the U.S. Virgin Islands under its master service agreement.

Name

Agility Credit

Legal name

Agility Credit LLC

Website

https://agilitycredit.com

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

1–10 employees

Short description

Agility Credit is an API-first credit intelligence platform providing tri-bureau credit reports, identity verification, KYC, compliance workflows, and digital credit applications to automotive dealers and lenders, banks, credit unions, and fintech platforms.

Ownership category

akta.pro rank

Product category

Credit Reporting Software

NAICS

Activities Related to Credit Intermediation (5223), Credit Bureaus (561450), Credit Bureaus (56145)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320), Services-Prepackaged Software (7372)

akta.pro primary industry

Credit & Underwriting Data Services (alt data feeds, affordability, bureau augmentation) (FSAGACAH)

akta.pro secondary industries

Account Verification & Ownership (AVS/AOV, micro-deposits, auth) (FSAGACAB), Risk, Compliance & Controls for Embedded Finance (KYB/KYC/AML, Fraud, Disputes) (FSAGALAK)

Keywords

• Credit reporting software
• Tri-bureau data platform
• Identity verification API
• Compliance automation
• Automotive credit solutions

Headquarters

HQ city

Las Vegas

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Credit Reporting Services: Transaction-based credit report access from Experian, Equifax, and TransUnion through API, portal, or batch delivery. Revenue is generated per transaction with monthly minimum commitments.
2. Subscription/Monthly Minimums: Clients are subject to monthly minimum fees: $50/month for one bureau, $75/month for two bureaus, $100/month for three bureaus. These minimums apply to collective credit report transactional services.
3. Identity Verification & KYC: Real-time identity validation, KYC checks, driver's license authentication, and fraud detection services delivered via API.
4. Income & Employment Verification: Verify income and employment data through secure, automated workflows.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

Agility Credit is an API-first credit intelligence platform that delivers tri-bureau credit reports (Experian, Equifax, TransUnion), identity verification, income and employment data, and compliance workflows to automotive dealers, banks, credit unions, and fintechs. Access is provided through RESTful API, secure web portal, or batch processing, with built-in adherence to FCRA, GLBA, Reg Z, and FTC guidelines. The platform combines credit reporting, compliance enforcement, KYC, and digital credit applications within a unified multi-tenant, containerized infrastructure.

Product overview

Agility Credit is a unified credit intelligence platform providing comprehensive credit, compliance and identity solutions for modern lenders. The portfolio consists of the core Credit Reports product (supporting both soft and hard pulls from Experian, Equifax, and TransUnion) complemented by specialized modules including Credit Report Attributes & Scores (with 2,000+ tri-bureau normalized attributes), the Compliance Enforcement Platform, Identity Verification & KYC, Income & Employment Verification, Digital Credit Applications, Consumer Pre-Fill Tools, and Driver's License Authentication. These products operate through a shared RESTful API infrastructure with SOC 2-certified security, enabling seamless integration with platforms like Salesforce, DealerTrack, RouteOne, and MeridianLink.

Differentiator

Problem solved

Functional benefit

Products and services

• Credit Reports Secure, compliant access to tri-bureau credit data from Experian, TransUnion, and Equifax delivered fast and fully integrated. Supports both soft pulls and hard pulls through API, portal, or batch channels. Targeted at automotive dealers, banks, credit unions, and fintech lenders requiring FCRA-compliant credit retrieval.
• Credit Report Attributes & Scores Advanced tri-bureau analytics platform offering more than 2,000 preconfigured credit attributes for precision underwriting and decisioning. Transforms raw credit data into actionable insight through a tri-bureau normalized data model covering utilization, delinquency trends, payment patterns, and balance changes.
• Compliance Enforcement Platform Compliance workflow product ensuring alignment with FCRA, GLBA, Reg Z, and FTC guidelines. Regulatory standards are integrated directly into credit, identity, and income workflows to support regulated lenders and dealers.
• Identity Verification & KYC End-to-end identity and fraud protection product combining comprehensive identity matching (name, address, SSN, DOB, phone, driver's license), behavioral analytics, device intelligence, OTP verification, and synthetic identity detection. Validates consumer identity with verified data sources and OFAC/watchlist screening.
• Income & Employment Verification Automated product verifying income and employment data through secure workflows. Integrates income, debt, and payment relationship modeling for complete financial capacity assessment across the lending lifecycle.
• Digital Credit Applications Mobile-first digital credit application platform featuring a fully dynamic form engine, automated credit pulls, integrated KYC, and prequalification workflows. Supports 12 languages and ADA accessibility for dealer and lender end-customers.
• Consumer Pre-Fill Tools Smart pre-fill product automatically populating verified consumer data (name, address, phone, DOB, SSN) into application workflows from verified credit and identity sources in real time, reducing manual entry.
• Driver's License Authentication ID verification product powered by Agility Credit's proprietary verification technology, capturing driver's license images via desktop or mobile. Uses document scanning, pattern recognition, and data validation across all 50 states to authenticate IDs.
• Soft Pull Credit Reports Pre-qualification credit checks that do not impact consumer credit scores. Tri-bureau coverage with configurable attributes and multi-format output (JSON, XML, PDF, HTML) for lender pre-screening use cases.

Quantifiable outcome

• Sub-second response times for API requests
• +3 more outcomes

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

Integration4 records

AI capability5 records

Feature5 records

Partnerships

Seven partnerships are on record, tiered core.

• AWS (Amazon Web Services)coreTechnology or IntegrationCloud infrastructure provider powering Agility Credit's multi-tenant, containerized framework and SOC 2-certified environment.
• DealerTrackcoreTechnology or IntegrationIntegration partnership for automotive dealer management system connectivity, enabling seamless credit application workflows.
• ExperiancoreTechnology or IntegrationPrimary credit bureau data provider for credit reports, attributes, scores, and identity verification services.
• EquifaxcoreTechnology or IntegrationCredit bureau partner providing credit reports, ACROFILE/ACROFILE Plus, FICO scores, VantageScore, synthetic ID fraud alerts, and identity verification.
• TransUnioncoreTechnology or IntegrationCredit bureau partner providing credit reports and prequalification services.
• RouteOnecoreTechnology or IntegrationIntegration partnership for automotive finance platform connectivity, enabling credit application integration.
• SalesforcecoreTechnology or IntegrationCRM integration partnership enabling credit data and application data push/pull into Salesforce environments.

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• MeridianLink: MeridianLink provides a loan origination and digital account opening platform for banks, credit unions, and fintechs, with native integrations into credit data providers. It is both an integration partner and an adjacent competitor for lender-side credit workflows that Agility Credit serves.
• Creditsafe: Creditsafe provides business and consumer credit reports, compliance, and KYC solutions globally via API and SaaS platforms. Its multi-bureau credit data offering and fintech/lender target customers overlap closely with Agility Credit's positioning.
• MicroBilt: MicroBilt is a credit data and risk analytics provider offering consumer and business credit reports, identity verification, and alternative data through API and batch delivery. It directly competes with Agility Credit in reselling bureau data and providing decisioning infrastructure to lenders.

Broad incumbents

• LexisNexis Risk Solutions: LexisNexis Risk Solutions is a large incumbent offering credit reporting, identity verification, fraud detection, and compliance data to financial institutions. It competes with Agility Credit across the full credit intelligence stack, but at significantly greater scale and breadth.
• Equifax Workforce Solutions: Equifax Workforce Solutions, a division of Equifax, delivers income and employment verification, identity, and credit data services. It overlaps directly with Agility Credit's verification products and represents both a bureau partner and a potential competitor.
• Plaid: Plaid is a major financial data aggregation and account verification platform serving fintechs and lenders. While focused more on bank account data, its verification, KYC, and consumer-permissioned data offerings overlap with adjacent parts of Agility Credit's stack.
• Envestnet Yodlee: Envestnet Yodlee provides financial data aggregation, account verification, and consumer-permissioned data infrastructure to fintechs and lenders. Its API-first delivery model and lender target market make it a partial peer in the verification and data layer space.
• Decision Logic (FIS): FIS's Decision Logic is a credit decisioning platform used by lenders to automate approvals using bureau data and analytics. It competes with Agility Credit in lender-facing credit decisioning, particularly among banks and credit unions.

Emerging players

• Argyle: Argyle provides income and employment verification APIs sourced from payroll providers, directly competing with Agility Credit's Income & Employment Verification product for lender and fintech use cases.
• SentiLink: SentiLink provides identity verification and fraud detection APIs to lenders and fintechs, focused on synthetic identity and first-party fraud. It overlaps with Agility Credit's identity verification and KYC offerings for financial institutions.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/agility-credit-llc

Compliance6 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

Frequently asked questions about Agility Credit