Available through both online and offline methods — with support for API, batch and human readable credit report formats to fit any downstream workflow.
The Alternative Tradeline Credit Report augments traditional credit files with alternative financial information, supporting smarter, more inclusive decisions across the customer lifecycle — from prequalification to portfolio management.
Product Capabilities
On-demand integration
Seamlessly integrates with credit and model reports as an optional add-on, activated upon subscription.
Lifecycle-based access
By being available for use through credit and model report, alternative tradelines support multiple decision stages — from prequalification to post-approval — enabling consistent insight across the customer journey.
Clear placement within the credit report
Alternative tradelines are formatted to mirror traditional tradelines — with unique identifiers that ensure they remain separate and easily recognizable in standard and model credit reports. In model reports, these tradelines are excluded from the summarized view, maintaining an unbiased presentation of traditional credit data while still allowing lenders to access deeper insights when needed.
Flexible delivery channels
Better protect your business with powerful digital insights
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