Access alternative credit data from utilities, telecom and cable providers so you can safely lend to more borrowers
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.Access alternative credit data from utilities, telecom and cable providers so you can safely lend to more borrowers
Offer credit to more borrowers with automated access to consumer and commercial utility, telecom, and cable bills. With alternative credit data from Urjanet, your business can open up new revenue streams, manage fraud and risk, and eliminate bottlenecks.
Take manual reviews out of your vocabulary. Urjanet automates the utility data collection process to take the burden off of you.
Qualify more customers
Traditional credit scoring models have left millions of consumers underbanked. Close the lending gap with utility payment data.
Urjanet helps you keep KYC/KYB and AML mandates in check so you can safely and securely lend to the right customers.
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.
Drive rapid decisions
You’ll be up and running quickly with up to 12 months of payment history to drive rapid lending decisions. Download data and PDF bill images from the Urjanet Console, or set up an automated data feed through an API integration to incorporate into your credit and risk models.
Smoothly integrate utility data into your credit modeling process with an API integration. You design and control the entire user experience, send data requests directly to Urjanet, and we retrieve and deliver data back to you within minutes.
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.”
Have questions about utility data for alternative credit scoring?
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.
Urjanet is not FCRA-compliant, but we provide you all the data you need to comply with an FCRA request. This includes a copy of the utility bill provided by the utility where the data was pulled from.
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 credit data?