Understanding creditworthiness

Credit Insights gives your business access to a customer’s verified credit history, helping you assess affordability, risk exposure, and borrowing behaviour in a single report. It combines bureau data with clear indicators around credit use, arrears, and overall financial health.

Unlike traditional credit checks, this tool focuses on clarity and relevance. It’s designed to speed up decision-making, reduce uncertainty, and support fair, data-driven outcomes, whether you’re assessing a legal claim, approving a loan, or verifying financial stability.

How it works

With consent from the user, Credit Insights retrieves credit history from trusted UK credit reference agencies. It then organises the data into a structured summary of key indicators: active credit accounts, missed payments, balances, utilisation rates, and any adverse credit markers.

The result is delivered to your platform in real time, providing the insight you need without slowing down your process. Here’s a simplified output:

{
  "credit_score": 628, 
  "active_accounts": 5, 
  "missed_payments_last_12_months": 3, 
  "total_outstanding_balance": 11250.00, 
  "risk_rating": "medium", 
  "timestamp": "2025-04-14T12:52:00Z"

This snapshot helps you determine if a customer is overextended, managing credit responsibly, or showing signs of financial strain.

Informed lending and decisions

Credit Insights is a powerful tool for teams that need to make quick, accurate decisions based on financial reliability. It’s ideal for lenders checking affordability, legal teams reviewing credit health as part of claims, or businesses offering credit-based products and services.

By using verified bureau data, you get consistent, compliant insights without relying on self-reported information or guesswork.

Credit history matters

Open banking provides deep behavioural data but it doesn’t replace credit history. Credit Insights fills the gap by showing you how a person manages structured borrowing, like loans, credit cards, or car finance.

This helps you confirm whether past borrowing aligns with income, spot early signs of difficulty, or support a legal argument related to affordability. It’s an essential layer of insight in any risk or redress workflow.

Get started

Want a clearer view of your customers’ credit health? Credit Insights gives you the information you need to act faster and with greater confidence. Compare packages or request a demo to see how it fits into your financial decision-making.