Infact Company Profile

Background

Overview

Infact is a modern credit bureau established to revolutionize the consumer credit information market by providing real-time, accurate, and comprehensive credit data. The company aims to enhance lending performance and consumer outcomes by offering a single API for lenders to search, report, and manage credit information.

Mission and Vision

Infact's mission is to modernize the way credit information is shared, improving consumer outcomes and lending performance for its partners. The vision is to lead reform and drive innovation in the consumer credit information market by establishing a modern credit bureau that enhances the quality and speed of credit information.

Primary Area of Focus

The company focuses on providing real-time credit data solutions to lenders, enabling them to make informed decisions, reduce defaults and fraud, and improve consumer and regulatory outcomes.

Industry Significance

Infact addresses the challenges posed by traditional credit bureaus, which often provide incomplete and outdated consumer profiles. By offering a comprehensive, real-time view of consumer credit behavior, Infact aims to enhance lending decisions and portfolio performance for lenders.

Key Strategic Focus

Core Objectives

Enhance Lending Performance: Provide real-time credit data to help lenders make informed decisions, leading to increased conversion rates and responsible lending.

Reduce Defaults and Fraud: Offer real-time credit risk and fraud signals to control losses and reduce default rates.

Improve Consumer and Regulator Outcomes: Support transparent, fair, and responsible lending practices to enhance customer satisfaction and regulatory compliance.

Specific Areas of Specialization

Affordability Assessments: Enable personalized affordability assessments to unlock new lending opportunities and increase acceptance rates.

Fraud Detection: Streamline customer onboarding while enhancing fraud protection, including monitoring real-time risk signals and detecting synthetic identities.

Credit Risk Management: Optimize lending decisions with real-time credit signals, identify creditworthy thin-file applicants, and spot emerging risks.

Key Technologies Utilized

Real-Time Data Processing: Utilize real-time data to provide up-to-date credit information.

API Integration: Offer a single API for lenders to search, report, and manage credit information efficiently.

Advanced Analytics: Employ advanced analytics to detect fraud and assess affordability.

Primary Markets or Conditions Targeted

Infact primarily targets the financial services industry, focusing on lenders seeking to improve their credit risk management, reduce defaults and fraud, and enhance consumer outcomes through real-time credit data.

Financials and Funding

Funding History

As of November 2025, specific details regarding Infact's total funds raised, recent funding rounds, and notable investors are not publicly disclosed.

Intended Utilization of Capital

While specific utilization details are not publicly available, it is anticipated that the capital is directed towards enhancing technological infrastructure, expanding product offerings, and scaling operations to meet the growing demand for real-time credit data solutions.

Pipeline Development

Key Pipeline Candidates

Infact's product suite includes:

Affordability Assessments: Tools to enable personalized affordability evaluations.

Fraud Detection Solutions: Systems to monitor real-time risk signals and detect synthetic identities.

Credit Risk Management Tools: Solutions to optimize lending decisions with real-time credit signals.

Stages of Development

All products are currently in active development and deployment stages, with continuous enhancements to meet market demands.

Target Conditions

The products are designed to address challenges in affordability assessments, fraud detection, and credit risk management within the lending industry.

Relevant Timelines for Anticipated Milestones

Specific timelines for product milestones are not publicly disclosed.

Technological Platform and Innovation

Proprietary Technologies

Real-Time Data Processing: Enables up-to-date credit information sharing.

API Integration: Provides a single API for efficient credit information management.

Significant Scientific Methods

Advanced Analytics: Utilized for fraud detection and affordability assessments.

Person-Centric Matching: Employed to enhance data accuracy and relevance.

Leadership Team

Andy Milligan – Co-Founder and CEO

Andy has over 20 years of experience in the credit market, focusing on innovations like Open Banking. He has worked with mainstream Credit Reference Agencies and has been instrumental in establishing Infact.

Will Mason – Co-Founder and CTO

Will brings extensive experience in technology and product development within the financial services sector. He has been pivotal in developing Infact's technological infrastructure and product offerings.

Market Insights and Competitor Analysis

The credit information market is evolving, with increasing demand for real-time data and innovative solutions to enhance lending performance and consumer outcomes. Key competitors include traditional credit bureaus and emerging fintech companies offering real-time credit data solutions. These competitors vary in their technological capabilities, product offerings, and market reach.

Strategic Collaborations and Partnerships

Infact has established partnerships with various financial institutions and technology providers to enhance its product offerings and expand its market presence. Specific details of these collaborations are not publicly disclosed.

Operational Insights

Infact's strategic considerations include differentiating itself through real-time data processing, API integration, and advanced analytics to offer superior credit information solutions compared to traditional credit bureaus.

Strategic Opportunities and Future Directions

Infact aims to expand its product suite, enhance technological capabilities, and strengthen partnerships to solidify its position in the credit information market and drive innovation in lending practices.