Access consumer payment history on utilities across the globe
Urjanet provides permission-based access to consumer payment history on utilities directly from thousands of utility, telecom, and cable providers worldwide. Advance your risk models and gain deeper visibility into applicants with a proven source of alternative data for credit scoring and risk assessment.
Qualified applicants are hidden in your decline traffic. With accurate, reliable utility data for credit risk decisioning, you can increase approval rates and tap into new markets.
Rely on the predictive accuracy of utility and telecom payment history, retrieved directly from the source. Gain deeper visibility into thin- and no-file applicants with up to seven new tradelines.
Gain a competitive edge
Be among the first to access consumer payment history on utilities. Innovative data sources provide a new channel to advance your risk models in a constantly evolving industry.
Alternative data drives results
SimpleBills Helps “Credit Invisible” Students Build Credit
More than 125,000 students across 46 U.S. states use SimpleBills to manage their utilities. Residents can report their utility bill payment history to credit bureaus through SimpleBills, adding another tradeline to their credit report and building positive credit history. “The real value to the resident is that they do not have to get a loan," says Kevin Jones, SimpleBills founder and Executive Vice President. "They don’t have to go buy a couch or get a credit card or have their mom or dad cosign on a car to build up credit. Their utility bill is one they already pay every month.”