consumer-reporting-agency
(3)
Nova Credit
Nova Credit is a San Francisco-based credit infrastructure and analytics company that helps lenders extend credit responsibly to people traditional bureaus miss. Founded in 2016 by three Stanford classmates, it operates as a consumer reporting agency built around three products: Credit Passport, which translates a newcomer's international credit history into a U.S.-readable report; Cash Atlas, a cash flow underwriting tool that reads consumer-permissioned bank transaction data; and Income Navigator, which automates income and employment verification. Banks and lenders including American Express, HSBC, Chase, and PayPal use Nova Credit to reach credit-invisible and thin-file consumers.
Spinwheel
Spinwheel is an Oakland-based fintech that provides real-time consumer credit data and embedded-payments infrastructure through developer APIs. Using a credentialless approach that needs only a phone number and date of birth, Spinwheel lets lenders, personal-finance apps, and debt-management companies connect, verify, and act on a consumer's debts and liabilities. The platform supports the full consumer-credit lifecycle - from segmentation and prequalification to disbursement, management, and payment - and, as of its 2025 Series A, powers more than 15 million users and 165 million connected accounts representing over $1.5 trillion in connected debt.
Pinwheel
Pinwheel is a New York-based fintech that builds the payroll-data and income connectivity layer behind a fairer financial system. Its APIs and embedded tools let banks, credit unions, and fintechs offer one-click direct deposit switching, income and employment verification, and bill management - helping institutions win and keep 'primacy' (becoming the account where a customer's paycheck lands). Pinwheel is one of the few players in the space operating as an FCRA-compliant Consumer Reporting Agency, and it connects to roughly 1,800+ payroll and HR platforms covering nearly all U.S. workers.