alternative credit utility data

Utility Data for Alternative Credit Scoring

Access alternative credit data from utilities, telecom and cable providers to make more informed lending decisions

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

Alternative Credit Data

Enhance your credit scoring models

Gain deeper visibility into your decline traffic with automated access to consumer and business utility, telecom, and cable bills. With alternative credit data from Urjanet, 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 5,000 electricity, natural gas, water, waste, cable, and telecom providers all over the world.


natural gas utility data

Natural Gas

water utility data


waste utility data





Driving innovation with alternative credit data

eCredable redefines credit reporting with Urjanet utility & telecom data.

eCredable, an alternative credit bureau, aims to help the nearly 50 million Americans without traditional credit scores gain access to affordable financial services. Through the Urjanet platform, eCredable customers can link their utility and telecom accounts to their eCredable file and receive a verified credit score.

“We have an opportunity to redefine credit reporting for hundreds of millions of consumers. With Urjanet, we can do that.”
Cutch Moore, COO at eCredable

Have questions 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 data points used in alternative credit scoring models. 

The Urjanet Utility Data Platform programmatically 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 utility usage and cost 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.

Utility 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 utility data with little to no development needed. Click here 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 Urjanet Utility Data for Credit Risk Decisioning?

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