Bloom Credit
500 Global4 known investors
Bloom Credit provides credit data infrastructure and APIs that let banks, credit unions, and fintechs access validated tri-bureau consumer credit data, furnish Metro2-compliant reports, and build credit-building products. Its tools support underwriting for thin-file consumers, credit dispute management, and turning rent and utility payments into credit-building tradelines.
Also known as Bloom · Bloom+
Founders & leadership
Investors · 4
Company profile
researched Aug 2026Bloom Credit provides credit data infrastructure for financial institutions, fintechs and platforms, positioning itself as a layer between consumer credit bureaus and the organizations that use credit data. Its product line includes Bloom+, a consumer-permissioned data API that converts recurring rent and utility payments made from a checking account into credit-building tradelines for a bank's or credit union's members; Furnishment, which converts raw customer data into Metro2-compliant files and furnishes them to all three credit bureaus; Data Access, a single API for tri-bureau credit data used for underwriting, personalization and in-app integration; and Credit Dispute Management, which handles consumer credit disputes in a compliant workflow.
The company frames its infrastructure around data quality, speed of launch, developer experience, compliance and scalability. It emphasizes serving consumers with thin credit files by combining traditional bureau data with external, consumer-validated financial data to support lending decisions. Customer-facing use cases include more inclusive lending by credit unions, product development and reporting by banks, credit product launches by consumer and business-facing fintechs, and rent-payment reporting by property management companies.
Business model
Bloom Credit sells credit data infrastructure to financial institutions and platforms on a business-to-business basis, offering flexible, tiered pricing that scales with customer volume and business requirements, from early-stage customers through larger enterprises. Products are delivered as APIs and developer tooling, supported by a developer portal, documentation and technical and operations support, with implementation timelines described by the company in weeks rather than months.
Revenue comes from tiered, volume-based pricing for access to its credit data APIs and furnishment, dispute management and credit-building products; the company also positions its tools as unlocking new revenue for fintech customers.
Traction
Named customers and partners include Navy Federal, where Bloom+ is offered to members through online and mobile banking, Inspire Federal Credit Union, TransUnion, Imprint, Karat and Ava Finance. Imprint reports integrating its card management system with Bloom and describes the platform as handling its largest card portfolios; Ava Finance reports reduced burden in handling consumer credit disputes.
Latest developments
In August 2026 the company announced recognition for its Bloom+ consumer-permissioned data API, the hiring of Pete Halenar as VP of Alliance Partnerships to lead partnership efforts, and its selection as a semifinalist in a Filene program.
▸Full profile — market position, technology, go-to-market, geography
Market position
Bloom Credit presents itself as credit infrastructure used by financial institutions, bureaus and fintechs, citing relationships with Navy Federal, Inspire Federal Credit Union, TransUnion, Imprint, Karat and Ava Finance, and describing its customer base as including leading financial institutions.
Bloom Credit differentiates on the combination of credit-domain expertise and modern infrastructure: a single API for tri-bureau data access, Metro2-compliant furnishment without a technical lift on the customer side, consumer-permissioned data that supplements traditional bureau files for thin-file applicants, and compliance built into the developer tooling. Customers cited by the company reference intuitive APIs, clear documentation, accessible technical and operations support, and the ability to handle large card portfolios.
Technology
The platform is API-based: a single API for tri-bureau consumer credit data, a consumer-permissioned data API (Bloom+) that ingests checking-account rent and utility payment activity and turns it into credit-building tradelines, a furnishment pipeline that transforms raw data into Metro2-compliant files for all three bureaus, and dispute management workflows. The company provides a developer portal and documentation, and describes the infrastructure as compliant by design, real-time and scalable.
Go-to-market
Bloom Credit goes to market directly to institutions through demo requests and consultations with its experts, supported by a developer portal for technical evaluation. It also builds alliance and industry partnerships, including with credit bureaus, and in 2026 added a VP of Alliance Partnerships to lead that effort. Segment-specific messaging targets credit unions, banks, B2C and B2B fintechs, and property management companies.
Credit unions, banks, business-to-consumer fintechs, business-to-business fintechs, and property management companies, as well as the end consumers those institutions serve, particularly consumers with thin credit files.
Geography
The company's stated customers and partners are US financial institutions and bureaus, including Navy Federal, Inspire Federal Credit Union and TransUnion, and its products reference US credit reporting standards such as Metro2 and tri-bureau furnishment.
Compiled by commissioned research from 1 cited public sources — announcements, filings, and press listed under research sources below.
Competitors · 5
by search overlap
Companies competing with Bloom Credit for the same Google search keywords, organic and paid, via search-intersection analysis.
Timeline · 3
launches, deals, and filingsThe company received recognition honoring Bloom+, its consumer-permissioned data API that helps credit unions and banks turn everyday bill payments into credit-building tradelines.
Bloom Credit expanded its partnerships team with the addition of Pete Halenar as VP, Alliance Partnerships, who will lead alliance partnership efforts.
Bloom Credit announced it was named a semifinalist in Filene's 2026 program, per a company press release.
Dated company events from announcements, filings, and press; legal rows summarize public dockets and regulator releases.
In the news
▸Research sources · 1
primary sources listed
- Bloom Creditbloomcredit.io · web
1 public sources were cited for this profile; the first-party ones are listed here.
Frequently asked questions
- What does Bloom Credit do?
- Bloom Credit supplies API-based credit data infrastructure for banks, credit unions and fintechs, including bureau furnishment and credit building.
- Who founded Bloom Credit?
- Bloom Credit was founded by Corey Kaplan, Matthew Harris.
- Who are Bloom Credit's investors?
- Bloom Credit's investors include 500 Global, Connecticut Innovations, Flucas Ventures, Kindred Ventures.