Access alternative credit data to make more informed lending decisions

Access alternative credit data to make more informed lending decisions

Urjanet provides consumer-permissioned utility data from thousands of utility, telecom and cable providers worldwide. By integrating alternative credit data from Urjanet into your credit modeling process, you can safely extend credit to millions of new applicants.


Enhance your scoring models with alternative credit data

Gain deeper visibility into your decline traffic with automated access to consumer and business utility, telecom, and cable bills. With alternative data for credit scoring, your business can open up new revenue streams, mitigate risk, and close the lending gap.

Get up and running quickly

We make it easy to integrate direct-from-source utility, cable, and telecom data into your credit modeling process with meticulously designed APIs and a set of rich, pre-built UI components.


The world’s largest utility data network

The Urjanet Utility Data Platform connects to more than 9,000 electricity, natural gas, water, waste, cable, and telecom providers across 52 countries.


natural gas utility data

Natural Gas

water utility data


waste utility data





FAQs about alternative credit data

Alternative credit data refers to non-traditional financial data such as utility payment history, employment records, and rental records.

Traditional credit scoring models have left millions of consumers underbanked. User-permissioned utility payment history as a source of alternative credit data can provide more context on an applicant, allowing you to make more informed decisions. The Center for Financial Services Innovation finds that utility bill payments are among the most reliable alternative data sources used in credit modeling and risk management. 

The Urjanet Utility Data Platform captures and delivers data from our global network of utility providers through user-permissioned utility account access. Once an end user links their utility account to the Urjanet Utility Data Platform, our technology is able to programmatically access detailed payment data and PDF copies of bills directly from the utility’s customer portal. Click here to learn more about our tools for linking utility accounts.

Alternative credit data is made available through our API and portal within minutes of linking a utility account.

Urjanet will retrieve up to 12 months of historical payment data including name, address, statement date, due date, amount due, recent payment amount, and recent payment date. This data can be incorporated directly into your credit scoring and lending model.

No – we provide the data from a utility bill that can be used to make a credit decision.

Data is made available via API, or may be viewed and downloaded in a CSV file from the Urjanet Console.

No – Because Urjanet is completely user-permissioned, there is no repository of data to retro-test against. Urjanet offers quick start options that enable you to start collecting and testing utility data in minutes, with little to no development needed. Speak with one of our credit experts to learn more.

Yes. As part of our solution, we provide a copy of the original data source (typically a PDF copy of the bill) for auditing purposes. If any consumer inquiries arise, we will work closely with your team to handle them. Inquiries about FRCA compliance can be submitted to 

Urjanet is an active participant in the US, EU, Swiss Privacy Shield Framework. Click here to learn more.

Access to the Urjanet Utility Data Platform is secured by a combination of network security and authentication requirements, ensuring that only authorized personnel have access. Sensitive data is stored encrypted at rest using AES-256 encryption. Data is transferred both inside and outside our platform using SSL/TLS, SSH, and SFTP.


Have more questions about alternative data for credit scoring?

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