What Congruit Inc. does

Congruit Inc. is a modern consumer credit bureau operating as a nationwide specialty consumer reporting agency under Section 603(x) of the Fair Credit Reporting Act (FCRA). Founded by Tim Ranney, Jim James, and Susana Walls (all veterans of Clarity Services, which Experian acquired in 2017), the company provides real-time, behavior-based credit and fraud evaluation products to consumer lenders, collections agencies, peer-to-peer platforms, BNPL providers, and identity verification services. Headquartered in Safety Harbor, Florida, Congruit differentiates from traditional credit bureaus by focusing on payment behavior signals (ACH returns, NSFs, never-pay tradelines) rather than static credit scores.

The company sells through an API-first platform consisting of a REST-style Exchange API (ACH Exchange and NoPay3 Exchange, built on a give-to-get data contribution model) and an RPC-style Evaluation API (Resolution Verify, Resolution, Consumer Credit Insights, Bank Profile products, ChexAdvisor, and Bank ACH History), all secured via OAuth 2.0 with TLS 1.3 and rate-limited to 10 requests per second per IP. An SFTP file interface supports batch processing for automated ingestion. Congruit is PCI DSS and SOC certified, operates a consumer-facing portal for credit reports, disputes, fraud alerts, security freezes, and human-trafficking blocks, and distributes through direct API integration plus embedded lending-platform partnerships with Decision Cloud, Tekambi, and Lokyata.

Congruit generates revenue on a per-inquiry transaction basis through multi-year Product Addendum contracts, with each portfolio billed separately and rolled up to the organization level. The 1-10 employee company closed a $3,000,000 funding round in October 2025 and reports documented customer outcomes including a 17% reduction in first-payment failures, an 11% reduction in BNPL payment failures within 60 days, and a 25% reduction in failed ACH attempts for collections teams.

Name

Congruit Inc.

Legal name

Congruit, Inc.

Website

https://congruitcredit.com

Company type

Private

Founded year

2025

Operating status

Operating

Headcount range

1–10 employees

Short description

Congruit Inc. is a modern consumer credit bureau providing real-time, behavior-based credit and fraud evaluation APIs to consumer lenders, collections agencies, BNPL providers, and peer-to-peer platforms under FCRA compliance, using an Exchange give-to-get data model.

Ownership category

akta.pro rank

Product category

Credit Bureau Services

NAICS

Credit Bureaus (561450)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Credit Bureaus & Consumer Credit Reporting Agencies (FSAKAKAA)

Keywords

• Consumer credit bureau
• Credit risk analytics
• ACH verification API
• Behavioral credit data
• Alternative credit scoring

Headquarters

HQ city

Safety Harbor

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, Others

Revenue model

1. Consumer Report Furnishing: Generates revenue by compiling consumer financial data into credit reports furnished to third parties (lenders, insurers, employers, landlords) for FCRA-permissible purposes including credit transactions, employment screening, and insurance underwriting. Each credit inquiry (hard and soft) is reported to consumer on File Disclosure and billed separately at portfolio level.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Congruit Inc. operates a modern consumer credit bureau platform that delivers real-time, behavior-based credit and fraud evaluation products to lenders and fintech companies through API endpoints and SFTP file interfaces. Its suite includes identity verification (Resolution Verify), consumer activity intelligence (Resolution), payment risk products (ACH Exchange, Bank ACH History), never-pay detection (NoPay3 Exchange), risk indicators from tradelines (Consumer Credit Insights), banking intelligence (Bank Profile, Bank Profile Alternate), and ChexSystems-powered screening (ChexAdvisor), all governed by a give-to-get Exchange data model and sold under per-inquiry, multi-year contractual pricing.

Product overview

Congruit Credit operates as a modern consumer credit bureau platform offering a unified API-based product suite. The core platform provides FCRA-actionable and non-actionable credit and fraud products accessed via RPC-style Evaluation API and REST-style Exchange API. Products include: Resolution Verify (identity verification), Resolution (consumer intelligence), ACH Exchange and Bank ACH History (payment/banking intelligence), NoPay3 Exchange (credit risk for never-pay detection), Consumer Credit Insights (credit risk indicators), Bank Profile and Bank Profile Alternate (institution-level banking data), and ChexAdvisor (ChexSystems integration). The Exchange products support a give-to-get model where lenders contribute data to receive aggregate insights. Consumer-facing services include credit monitoring, disputes, fraud alerts, and security freezes. Integration available through direct API or via lending platforms (Decision Cloud, Tekambi, Lokyata).

Differentiator

Problem solved

Functional benefit

Products and services

• Resolution Verify Identity verification product that validates key identity elements including name, address, phone, email, SSN, and OFAC screening to support fraud prevention and compliance; non-FCRA actionable and intended for lenders and identity verification services.
• Resolution Consumer intelligence product that provides recent activity associated with a consumer, delivering insight into current behavior and engagement patterns; FCRA actionable and intended for lenders evaluating applicants.
• ACH Exchange Payment risk intelligence product that identifies historical ACH return activity associated with a consumer's bank account to help reduce payment failures; supports a give-to-get program where lenders contribute ACH returns and receive aggregate behavior data, requires bank account and routing, and is FCRA actionable.
• Bank ACH History Banking intelligence product that provides ACH return activity associated with previously used bank accounts, offering additional payment risk insight by returning same attributes as ACH Exchange for most recently seen bank accounts; FCRA actionable.
• NoPay3 Exchange Credit risk intelligence product that identifies consumers with a history of never-pay loan activity, helping lenders better assess repayment risk; part of the give-to-get program where lenders contribute tradelines and receive NoPay3 reports, FCRA actionable.
• Consumer Credit Insights Credit intelligence product that delivers risk indicators derived from consumer tradeline and inquiry activity to support underwriting decisions; FCRA actionable.
• Bank Profile Banking intelligence product that delivers institution-level bank characteristics and risk indicators associated with a consumer's financial institution; non-FCRA actionable, requires bank account and routing.
• Bank Profile Alternate Banking intelligence product that returns the same attributes as Bank Profile but fetches the most recently seen bank account for the consumer; non-FCRA actionable.
• ChexAdvisor Banking intelligence product that provides access to ChexSystems' banking intelligence for account acquisition, review, and prescreening strategies; FCRA actionable.
• Consumer Credit Monitoring Services Consumer-facing FCRA-mandated services including free credit reports for adverse action recipients, credit disputes, fraud alerts, security freezes, human trafficking blocks, fraud blocks, and opt-out requests, provided through the congruitcredit.com consumer portal.
• SFTP File Interface SFTP-based batch file interface for automated Exchange file processing supporting personal accounts for ad hoc upload/download and M2M accounts for automated ingestion; files placed in /ach and /tradelines folders are processed automatically with idempotent file handling.

Quantifiable outcome

• 17% reduction in first-payment failures
• +3 more outcomes

Named customers4 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

AI capability4 records

Feature4 records

Partnerships

Three partnerships are on record, tiered core.

• Decision CloudcoreTechnology or IntegrationLending platform partnership enabling Congruit solution insertion into Decision Cloud's underwriting waterfall. Lenders can add a call for Congruit's Portfolio and select Congruit solution directly through Decision Cloud's simplified UI controls.
• TekambicoreTechnology or IntegrationLending platform partnership integrating Congruit's credit and fraud evaluation products into Tekambi's underwriting platform. Allows simplified indicator selection and Congruit authorization credentials through Tekambi interface.
• LokyatacoreTechnology or IntegrationLending platform partnership with Lokyata for Congruit credit solution integration. Additional partner available on request.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Experian: One of the three nationwide credit bureaus and the acquirer of Clarity Services (Congruit's predecessor). Directly comparable as a consumer credit bureau serving lenders and fintechs with both FCRA-actionable reports and alternative-data products (e.g., Experian Boost).
• TransUnion: One of the three nationwide credit bureaus and owner of FactorTrust, an alternative credit bureau focused on non-prime consumers — the same segment Congruit targets. Comparable as a specialty/national CRA serving lenders with subprime-relevant data.
• Equifax: One of the three nationwide credit bureaus offering consumer credit reports, alternative-data analytics, and fraud/identity products. Comparable as a broad incumbent competing for the same lender and fintech budgets Congruit targets.
• LexisNexis Risk Solutions: Large data and analytics provider serving financial services with credit, fraud, identity, and compliance information. Comparable as a broad incumbent with overlapping identity verification and alternative-data products.

Direct peers

• Clarity Services: Founded by Congruit CEO Tim Ranney in 2008 and acquired by Experian in 2017; an alternative credit bureau focused on non-prime consumers using ACH and tradeline data. The most direct functional peer and Congruit's explicit predecessor.
• FactorTrust: Specialty CRA focused on non-prime and underbanked consumers, acquired by TransUnion. Directly comparable to Congruit in serving subprime lenders with alternative credit data and behavioral analytics.
• MicroBilt: Specialty consumer reporting agency offering alternative credit, identity verification, and fraud/risk data to lenders. Comparable as a niche CRA serving non-prime lending and small-dollar credit markets.
• Innovis: U.S. consumer credit bureau that competes with the big three and provides consumer reporting, identity verification, and fraud prevention services. Comparable as a specialty nationwide CRA.

Emerging players

• DataVerify: Provider of fraud, identity, and verification data to lenders, including behavioral risk indicators. Comparable as a niche specialty data provider serving consumer lending underwriting workflows.
• NovaCredit: Alternative credit data company that translates international and alternative credit files into U.S.-style reports for thin-file and immigrant consumers. Comparable as an emerging alternative-data player serving the same underserved consumer segment.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/congruit-inc

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Funding overview

Funding rounds2 records

Investors1 record

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 Congruit Inc.