# Array

> Array supplies configurable financial, credit, identity and privacy tools that banks, credit unions, fintechs and digital brands embed under their own names. Its API infrastructure, hosted experiences and Array+ bundles let clients add consumer services while retaining their existing customer relationships.

- **Founded:** 2020
- **Headquarters:** New York, United States
- **Founders:** Martin Toha (Founder and CEO), Phillip Zedalis (Co-founder; identified as CTO in the 2022 Finovate profile)
- **Products:** My Credit Manager, BuildCredit Rent, Identity Protect, Privacy Protect, Debt Navigator
- **Notable:** Privacy Protect reported more than four million protected users and 200 million record removals in May 2024., Acquired Payitoff in October 2024 and MoneyKit in July 2025., Added Chimney, Penny Finance and EarnUp in February 2026.

## Products & services

- **My Credit Manager** — Embedded credit scores, reports, alerts, score factors and simulation; VantageScore 4.0 support announced in September 2026.
- **BuildCredit Rent** — Consumer-permissioned rent reporting to help establish or build credit history.
- **Identity Protect** — Identity monitoring, alerts, restoration services and insurance subject to plan terms.
- **Privacy Protect** — Finds and requests removal of personal information from data brokers and people-search sites.
- **Debt Navigator** — Debt analysis, repayment guidance and balance-transfer pathways.
- **Subscription Manager** — Identifies recurring payments and helps users understand subscription spending.
- **Student Loan Aid** — Embedded student loan repayment guidance and enrollment tools drawing on Payitoff.
- **Financial Links** — Financial account connectivity in the Array product suite.
- **My Home Value** — Home-value, equity and borrowing insights associated with the Chimney acquisition.
- **Financial Calculators** — Embeddable financial decision and scenario tools from Chimney.
- **My Money Plan** — Financial education, planning and money-management tools added to the product suite.
- **Array+** — Configurable bundle of financial tools for free, premium or hybrid consumer offerings.
- **Data Furnishing** — Services to furnish payment information to credit bureaus.
- **Offers Engine** — Credit-data-powered personalized offers and marketing tools.
- **EarnUp payment infrastructure** — Paycheck-aligned contributions for mortgages, loans and household bills; acquired in February 2026.

## Achievements

- Privacy Protect reported more than four million protected users and 200 million record removals in May 2024.
- Acquired Payitoff in October 2024 and MoneyKit in July 2025.
- Added Chimney, Penny Finance and EarnUp in February 2026.
- A published Financial Plus Credit Union case reports 56 funded loans totaling $2.7 million over seven months.

## Latest updates

- **2026-02** — Acquired Chimney, Penny Finance and EarnUp.
- **2026-05** — Q1 product update included Experian rent-reporting coverage, Spanish-language support, My Money Plan and UK/Canada dark-web monitoring support.
- **2026-08** — Announced digital banking partnership with Narmi.
- **2026-09** — Announced VantageScore 4.0 support in My Credit Manager.

## Links

- Website: https://array.com/
- LinkedIn: https://www.linkedin.com/company/array-io/
- Twitter/X: https://twitter.com/ArrayPlatform
- Instagram: https://www.instagram.com/arrayplatform/
- Facebook: https://www.facebook.com/profile.php?id=100090562038994

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Profile page: https://yespress.io/array
Published by YesPress — https://yespress.io
Last updated: 2026-10-02