fcra-compliance
(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.
TransCrypts
TransCrypts is a blockchain-based digital identity and credential verification company that lets people own and instantly share verified employment, income, education, and health records. Founded in 2020 by cousins Zain Zaidi and Ali Zaheer, it replaces the slow, costly background-check pipeline with permission-based, fraud-proof verification - including JustScreen, billed as the world's first free background check service. Backed by Pantera Capital, Mark Cuban, and others, it serves millions of users and hundreds of enterprises, including Fortune 100 and 500 companies.
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.