Assess financial history and risk

Credit Report gives you secure access to a customer’s credit file, pulled directly from one or more of the UK’s leading credit reference agencies. It delivers a full picture of credit activity, including accounts, repayment behaviour, adverse history, and overall score, helping your team assess affordability, creditworthiness, and financial risk.

Whether you're in lending, claims, or customer due diligence, this tool ensures decisions are backed by real, regulated data.

How it works

With user consent, the tool retrieves credit data in real time, including score, open credit lines, limits, missed payments, defaults, and financial associations. It also surfaces flags for risk factors like County Court Judgments (CCJs), insolvencies, and high utilisation rates.

This data is returned in a structured format, easy to integrate into your platform or combine with other tools like Spend Insights or Credit Boost.

Here’s a sample of the output:

{
  "credit_score": 714,
  "open_accounts": 4,
  "missed_payments_12m": 0,
  "total_outstanding_balance": 4830.00,
  "ccj_count": 0,
  "default_flags": false,
  "timestamp": "2025-04-14T14:54:00Z"

This gives you the confidence to approve, reject, or flag customers for further review, all within seconds.

Credit and compliance decisions

Credit Report is essential for regulated services that need to prove affordability checks, minimise lending risk, or build a financial profile for case assessment. It also supports responsible lending, fair treatment of customers, and the prevention of over-indebtedness.

Use it to strengthen onboarding, assess eligibility, and add a layer of assurance to any financial decision-making process.

Full credit data matters

Open banking shows what a customer is doing now. A credit report shows how they’ve managed borrowing over time. The combination is powerful.

By understanding both behavioural and historical data, you can build fairer, faster, and more complete customer profiles—whether you’re approving loans, assessing claims, or verifying eligibility for regulated products.

Get started

Need a clearer view of your customers' credit history? Credit Report gives you instant, trusted access to detailed financial data fully compliant and ready to use. Compare packages or request a demo today.