Alternative Trades

Seamlessly integrates with credit and model reports as an optional add-on, activated upon subscription.

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.

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.

Available through both online and offline methods — with support for API, batch and human readable credit report formats to fit any downstream workflow.