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Urjanet Unlocks the Power of Utility Data for:

Alternative Credit Scoring

Access data. Enhance augmented files. Minimize risk.

Our platform’s expansive global network of utility providers, allows you to obtain the right data to produce more accurate credit scores, reduce decline traffic, and help the millions of underbanked consumers looking to gain access to more traditional forms of credit.

On-demand access to the automated data you need.

With our platform you’ll have on-demand access to stay ahead of the curve of security exploitation, ensuring your business quickly detects fraud and risk.

Enhance and augment existing credit files.

With the Urjanet Utility Data Platform, you’ll have access to more accurate and timely consumer payment data to eliminate ‘no hits’, augment thin files and provide sound credit and loan decisions.

Produce more accurate credit scores.

By having access to the our expansive network of utility providers, you’ll have access to the right data to produce more accurate credit scores and tap into new markets.

A Complete View of Your Data

Our cloud-based platform collects all of the data points on a utility bill, giving you better visibility on the data that is important to you.

A Complete View of Your Data

Urjanet can capture all data points from utility invoices, including…

  • Billing address
  • Payment history
  • Fees & charges
  • Tariffs

…and much more.

Discover the Value of Your Data With Urjanet

Our scalable platform provides you with a more organized and streamlined process to help you discover the power of your utility data.

Timely

Timely

Recurring, monthly invoices can be delivered to you as soon as the utility makes it available. API-based requests can deliver the most recent invoice or up to 12 months of history within minutes.

Versatile

Versatile

Choose the type of historical data you care about, how frequently it is delivered, and utilize it for your particular needs.

Secure

Secure

We maintain industry-leading safeguards to help protect the security, confidentiality, and integrity of customer data.

Global

Global

Because we work with nearly 4,000 utility providers globally, we’re able to access consumer data regardless of location or utility bill type.

Empowering

Empowering

Reduce declined traffic by accessing data from a network of millions of potential customers for your business.

Accurate

Accurate

We take the accuracy of our data seriously, with over 150 data audits to ensure your data is robust and trustworthy.

Utility Bills As Alternative Data

“FICO has incomplete or no data on over

50 Million Americans”

FICO Decisions research white paper, “Can Alternative Data Expand Credit Access

“28 Million Americans

have a credit bureau file, but not sufficient enough for scoring.”

FICO Decisions research white paper, “Can Alternative Data Expand Credit Access

“25 Million Americans

have no credit bureau profile.”

FICO Decisions research white paper, “Can Alternative Data Expand Credit Access

“FICO research found that more than

50% of previously unscorable credit applicants

are eligible to be scored with the right alternative data.”

FICO Decisions research white paper, “Can Alternative Data Expand Credit Access

“Using alternative data,

millions more consumers qualify for credit

and go on to improve their credit standing.”

FICO Decisions research white paper, “Can Alternative Data Expand Credit Access

Innovative Companies Trust Urjanet

“We have an opportunity in front of us to redefine credit reporting for hundreds of millions of consumers. With Urjanet, we can do that.”

– Cutch Moore, COO, eCredable
View Our Partners & Customers

Contact Us

If you have questions about utility bill data, we have answers. Fill out this form and one of our experts will be in touch shortly.

678-439-8752

info@urjanet.com

1350 Spring St. NW, Suite 300 Atlanta, GA 30309

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