Approve more good customers, with a fuller credit picture.
See how an applicant really manages money, not just a thin bureau file. Smart Score Pro™ combines real bank statement behaviour with bureau data for a current, comprehensive view, so you can confidently approve more good customers, including those a traditional credit file would miss.
Most lenders only ever see half the story.
Comprehensive credit reporting is built on reciprocity, and the principle is fair: contribute your data and you can use it in return. The problem is the application. The framework around it, the PRDE, adds tiered rules and onboarding requirements that make comprehensive data slow, costly and cumbersome to supply and use, which keeps many lenders, especially smaller or newer ones, on the sidelines. TaleFin takes a different route, giving you comprehensive-grade depth without that complexity. Learn how credit reporting works.
A fuller picture
Smart Score Pro™ reads real bank statement behaviour alongside bureau data, for a current, complete view of how an applicant manages money.
Reach more good customers
Approve creditworthy applicants a thin bureau file would decline, including new-to-credit and thin-file customers.
Decision-ready
Auto-approve and auto-decline on a clear, current view of creditworthiness, and tune the model to your products with A/B testing.
Comprehensive credit reporting: common questions
What is comprehensive credit reporting?
Comprehensive credit reporting (CCR) uses both positive and negative credit information, such as accounts held and on-time repayments, not just defaults, to give a fuller view of how someone manages credit.
How is TaleFin different from a traditional credit bureau?
TaleFin combines the comprehensive credit file with real bank-statement and open-banking data, and returns a combined score, Smart Score Pro™, in minutes, so you see real financial behaviour, not just a thin file.
Is TaleFin a credit reporting body?
Yes. TaleFin is one of Australia's credit reporting bodies under Part IIIA of the Privacy Act.
Can I access comprehensive credit data through an API?
Yes. TaleFin delivers comprehensive credit reporting and the combined score through a single modern API. See the Credit Reporting API.