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Spinwheel Strengthens Real-Time Consumer Credit Data Access with Multi-Bureau Integrations
Jessica Kendall
•
Updated
U.S. household debt continues to grow in both size and complexity, exceeding $18 trillion. That’s nearly 30% higher than in 2020 with mortgages representing more than 70% of total debt. At the same time, credit card delinquency rates have nearly doubled since 2014.
This underscores the need for more accurate, real-time credit insights. And, it’s why Spinwheel now integrates with TransUnion, a global information and insights company that makes trust possible in global commerce, as part of its multi-bureau support solution.
By integrating with multiple major U.S. credit bureaus, Spinwheel provides clients with flexible bureau selection and resilient access to real-time consumer credit data. Now, they can access most bureau’s data within a unified infrastructure — ensuring business continuity, stronger partnerships, and optimal credit decisioning as bureau requirements vary across lenders and marketplaces.
“Our bureau integration strengthens our commitment to ‘always-on’ bureau data access for our clients,” said Tomás Campos, co-founder and CEO of Spinwheel. “Spinwheel is the critical consumer data partner for lenders, marketplaces, and financial platforms that need verified, frictionless experiences powered by reliable, real-time credit data. We are committed to supporting our clients’ ability to deliver efficient and better financial outcomes for their customers.”
Using only a phone number and date of birth, Spinwheel Network verifies and unifies identity, credit data, and payments in real time through. This enables participants to make smarter credit decisions, improve conversion, and reduce risk using the most accurate and up-to-date consumer profile.
Spinwheel partners with lenders, marketplaces, personal financial management platforms, and other financial innovators to provide real-time, verified consumer credit data to process payments as part of their clients' existing workflow and operations via APIs. Spinwheel’s platform and the Spinwheel Network currently support more than 15 million users and 165 million connected credit and liability accounts, facilitating over $1.5 trillion in consumer debt across its network.
Jessica Kendall
Head of Content and Communications
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Sign up for our newsletter to stay up to date on news, developer updates, and product launches.
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Company Updates
Oct 16, 2021
Tackling Student Loan Debt and Student Loan Repayment
Industry Insights
Oct 16, 2021
Announcing New Funding for Spinwheel
Company Updates
May 6, 2021
Ready to Build Better?
See how Spinwheel integrates into your company’s consumer experiences.
Ready to Build Better?
See how Spinwheel integrates into your company’s consumer experiences.
Ready to Build Better?
See how Spinwheel integrates into your company’s consumer experiences.
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