Infact

Infact 🤝 Moneyboat Moneyboat is now reporting credit account data into Infact's credit bureau. This partnership means Moneyboat's customers can now build verifiable credit histories within the Infact bureau while increasing competition in the UK bureau market. This is exactly what the credit information market needs more of. It helps lenders make better decisions and gives consumers a fairer go. Andy Forsyth at Moneyboat: "We've always believed in lending responsibly and treating every customer fairly. Working with Infact means our customers' positive repayment behaviour is now visible to other lenders, helping them access more financial products in the future." Will Mason, CEO of Infact: "Moneyboat is a great example of a lender putting responsible lending into practice. Their short-term lending data gives us a fuller picture of how consumers manage credit outside of traditional products. That's exactly the kind of data that should be sitting in a credit bureau." We're pleased to welcome Moneyboat to the Infact bureau and as a supporter of the Inclusive Lending Charter. #responsiblelending #cra

PSA: We don't charge for corrections. And never will. #CRA #responsiblelending #consumerduty

1.4 million people were declined credit in the UK and had nowhere else to turn. The FCA published that figure this month. We're doing everything we can to help change that.   Lenders cannot make confident decisions about consumers they cannot see clearly. Legacy bureau infrastructure was built for a particular model of creditworthiness, and consumers who fall outside that model do not get a nuanced assessment. They get a decline.   The FCA is now explicitly pointing lenders toward alternative data sources for consumers with thin or no credit files. That directive exists because the regulator understands what many in the market already know but rarely say: the data underpinning decisions across much of the UK credit market has structural gaps that incumbent infrastructure was never designed to fix.   The consumers being declined today are not higher risk. They are less visible. Those are not the same thing. Using our Affordability product, our partners have been able to accept a cumulative 1M+ additional applicants since inception.

Announcing Fluro has integrated with Infact to power more personalised and proportionate affordability assessments, making smarter lending decisions and improving outcomes for more customers. The partnership supports healthy competition in the UK credit information market and reflects a shared commitment to fairer outcomes for borrowers who are too often underserved by legacy models. Michael Hoare Will Mason

Food prices up 62.5% since 2010. Housing and energy up 59.6%. Transport up 54.5%. That's ONS CPIH data through January 2026. Yet most affordability models in UK lending still run on assumptions built when these costs were 40% lower. Customers who would have passed five years ago now fail. Not because their income dropped. Because the gap between earnings and essentials has quietly shrunk. For banks and consumer lenders who are not actively exploring how they can be better serving those impacted by the rising cost of living, this should be uncomfortable. If your model hasn't evolved alongside the cost of living, you're not protecting customers. You're excluding them. Affordability isn't a set and forget exercise and doing the minimum is not a viable option. At Infact, our door is always open to those who want to find ways to increase inclusive lending and support their customers with greater access to credit. Well done to Jack Aspinall for the incredible transparency he is advocating for with his State of Britain initiative.

Food prices up 62.5% since 2010. Housing and energy up 59.6%. Transport up 54.5%. That's ONS CPIH data through January 2026. Yet most affordability models in UK lending still run on assumptions built when these costs were 40% lower. Customers who would have passed five years ago now fail. Not because their income dropped. Because the gap between earnings and essentials has quietly shrunk. For banks and consumer lenders who are not actively exploring how they can be better serving those impacted by the rising cost of living, this should be uncomfortable. If your model hasn't evolved alongside the cost of living, you're not protecting customers. You're excluding them. Affordability isn't a set and forget exercise and doing the minimum is not a viable option. At Infact, our door is always open to those who want to find ways to increase inclusive lending and support their customers with greater access to credit. Well done to Jack Aspinall for the incredible transparency he is advocating for with his State of Britain initiative.

We're #hiring a new Data Scientist to join the team at Infact. If you're looking for your next move and interested in challenging the status quo in the credit information market, enquire within!

Today we released a new charts feature in our Delta Platform. Delta now has built-in Charts — giving lenders a clear, visual way to track their data quality before it gets reported to credit bureaus. Why does this matter? Because bad data doesn't just create compliance headaches. It hurts real people. A formatting error or a missing field can mean someone gets denied credit they should have been approved for. One of our partners has been using Delta Charts since early access. They've grown their lending book significantly — and at the same time, their reporting errors have gone down. More loans, fewer mistakes. That's the outcome we built this for. Credit reporting should be accurate. It should be inclusive. And lenders shouldn't need to wait for an emailed load report with an unreadable list of problems after submission. Delta Charts puts that control back where it belongs — with the lender, before the data ever gets reported. If you're a lender reporting to UK credit bureaus and want to see how Delta can tighten up your data quality, we'd love to show you. #CreditReporting #DataQuality #Fintech #DesignateInfact #Infact

Our Identity customers are usually feeling the pain of high manual refer rates or concerns over synthetic ID. UK businesses lose an estimated £88 billion to fraud annually. Nearly a quarter of that is synthetic identity fraud. The answer to synthetic fraud is not to abandon bureau data, it's to stop relying on point-in-time checks that were designed for a different era. Infact's data is real-time, so when the same identity appears across multiple applications simultaneously, we see it. Our matching and confidence scoring surface mismatches that a simple bureau hit would never catch. And mobile network signals - SIM swap detection, call forwarding, number tenure - add a layer that exists entirely outside the bureau record.   If you want to talk through how Infact Identity fits into your verification flow, get in touch. Stat source: ttai. uk #identity

Regulated consumer fintech onboarding is stuck in a false choice: Fast journeys that feel risky, or heavyweight eIDV that leaks good customers. We’ve been speaking with regulated teams who see the same patterns: 🔺 Drop‑off when documents are requested 🔺 Near‑matches that create operational pain 🔺 A need for confidence and context, not just a pass/fail Today we’re launching Infact Identity: a bureau‑first identity layer, augmented with mobile network intelligence, designed for real fintech onboarding constraints. Because we’re one of only four Category 1 credit reference agencies in the UK, we can anchor verification in privileged bureau data, then apply mobile intelligence where it makes the biggest difference. The outcome is an identity waterfall: → Let low‑risk customers through in seconds → Route higher‑risk or ambiguous cases to enhanced checks → Improve conversion without compromising regulatory controls If you’re working on onboarding, compliance, or fraud in a regulated consumer fintech, we’d love to share what we’re seeing and walk you through the product. More about Identity in our latest article. Link in comments 👇