Three Signals FICO Ignores.
One Decision in Seconds.
CredVynt's decisioning engine assembles 24-month cash-flow patterns, verified rent payment history, and employer payroll records into a credit decision your loan officers can act on — with Reg B–compliant adverse action reason codes your compliance team can defend in examination.
What CredVynt Sees That Bureau Data Misses
Each data layer is sourced directly from authoritative providers with applicant consent — no screen-scraping, no inferred proxies. Every attribute is documented and explainable under SR 11-7 model risk management principles.
Cash-Flow Signals
CredVynt analyzes up to 24 months of bank account transaction data to build a documented picture of income regularity, expense stability, and debt-service capacity — the financial behaviors that FICO cannot capture for credit-invisible applicants.
For thin-file borrowers — including gig workers, recent immigrants, and young adults — cash-flow analysis produces a repayment-predictive signal where bureau data is silent. All attributes are derived from permissible financial transaction data with applicant-authorized access.
- Monthly income average, consistency score, and trend direction
- Recurring expense identification and payment regularity
- Overdraft frequency, severity, and rolling trend
- Net monthly surplus / deficit trend
- Irregular income identification for self-employed and 1099 workers
- Deposit-source classification (W-2 payroll vs. gig income vs. transfer)
Rent History
On-time rent payment is among the strongest behavioral predictors of loan repayment — yet for the 36% of Americans who rent, virtually none of that payment history reaches a traditional credit file.
CredVynt verifies rent payment records through bank transaction pattern matching and, where available, direct connections to property management platforms. The resulting signal is a documented, structured payment-behavior record — not a landlord reference call.
- 12–24 month rent payment history with on-time rate
- Late-payment frequency and recency weighting
- Verified via bank statement transaction matching
- Corroborated against property management platform data where available
- No landlord action required — applicant-authorized pull only
Payroll Data
Employer-verified income and employment continuity sourced directly from payroll providers through applicant consent. More current than bureau-reported income — which can lag 30 to 60 days behind a borrower's actual pay situation — and more reliable than a pay stub that cannot be authenticated.
- Employment status and tenure at current employer
- Gross income, net income, and pay frequency
- Employer identity verification (EIN-level)
- Income trend over trailing 12 months (growing, stable, declining)
- W-2 and 1099 income types distinguished
- Year-to-date earnings for income-to-payment ratio modeling
Explainable Decisions Your Examiners Can Follow
CredVynt does not give you a black box. Every decision comes with a confidence score, a per-layer data breakdown, and Reg B–formatted adverse action reason codes — structured for your loan officers and ready for your examination audit trail.
The decisioning models are designed with ECOA and Reg B compliance as first-order requirements. No protected-class proxies. Every factor is documented, auditable, and consistent with the model risk management principles of SR 11-7. CredVynt does not replace your institution's independent model validation obligations — we provide the model documentation to support that process.
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ECOA / Reg B Adverse Action Compliance
Decision factors are limited to ECOA-permissible criteria. Adverse action reason codes are generated in CFPB-standard format for every non-approval — your compliance team can produce Reg B notices without a separate documentation step.
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Factor-Level Explainability
Every decision includes a ranked list of contributing factors with directionality — the specific data attributes that moved the score, and by how much. Examiners and borrowers both get an honest answer.
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Disparate Impact Monitoring
CredVynt performs ongoing disparate impact testing across protected-class proxies in the loan population. Results are shared with lender clients quarterly as part of our fair lending documentation package.
One API. Works With Your Core Banking System.
CredVynt integrates through a standard REST API — no proprietary middleware, no vendor lock-in. Our team handles the connector configuration during your pilot onboarding and stays available through go-live.
Tested with the core banking and LOS platforms used by most community institutions:
Don't see your core? Contact us — we've integrated with 12+ LOS platforms during pilot engagements.
// Request
POST https://api.credvynt.com/v1/decisions/app_29xK7mN
Authorization: Bearer <your_api_key>
// Response
"decision": "approved",
"confidence_score": 0.83,
"data_layers": {
"cashflow_score": 74,
"rent_history_score": 91,
"payroll_verified": true
},
"adverse_action_reasons": []
Designed to Clear Your Vendor Due Diligence
OCC- and FDIC-supervised institutions are required to conduct thorough third-party risk management reviews before onboarding any vendor that touches consumer financial data. CredVynt maintains documentation packages specifically prepared for community lender procurement teams.
Encryption in Transit & at Rest
TLS 1.3 in transit. AES-256 at rest. All applicant data encrypted end-to-end.
Applicant Consent First
No data is pulled without explicit applicant authorization. Consent is logged and auditable.
Data Minimization
We collect only what's needed for the decision. No data is retained beyond the regulatory minimum.
See CredVynt in Your Origination Workflow
Request a pilot and we'll walk through how CredVynt integrates with your LOS, what the consent flow looks like for your applicants, and what your thin-file approval metrics look like after 30 days of production decisions.