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Free for consumers. Transaction-based for providers.

The FreshCredit App™ is free. Providers only pay a percentage of successful transactions — no upfront licensing, no per-seat costs. Legacy tri-merge credit pulls cost $50–$110 each. We are 286× cheaper, 90× faster, and recover ~13% of qualified applicants previously lost to errors.

The FreshCredit App™

Free
No cost, ever

Self-custody credit data, portable identity, free credit reporting, and DAO governance access for consumers.

  • Self-custody credit data wallet
  • Portable identity verification
  • Free credit reporting
  • DAO governance participation
  • BlockID™ credential management
Launch App

Provider

Transaction-based
% of successful transactions

Build credit models, offer matching, and agent workflows on FreshCredit® infrastructure. Only pay when value is delivered.

  • BlockScore™ Model Builder API
  • BlockIQ™ Marketplace integration
  • BlockID™ Agent Workflows
  • Sandbox & production environments
  • Revenue attribution engine
  • 286× cheaper than legacy bureau systems
  • Recover ~13% of applicants lost to errors
Contact Sales

Partner

Custom
MSA licensing agreement

Enterprise-grade access with dedicated infrastructure, SLAs, and co-development. For institutions operating at scale.

  • Dedicated infrastructure tier
  • Custom SLA agreements
  • White-label capabilities
  • Priority API access & support
  • Co-development opportunities
  • Full FreshCredit Ecosystem™ access
Get in Touch
vs Legacy Infrastructure
Tri-merge credit pull$50–$110 per pullTransaction-based
Fraud loss multiplier$5.75 per $1 fraudEdge-verified prevention
Checkout abandonment~70% drop-off rate18% conversion lift
Report error rate44% have ≥1 errorRecover ~13% of applicants
/ Cost Analysis

Find out how much you're really paying for verification per lead

Legacy verification costs hide in plain sight. Between credit bureau fees, false declines, and abandoned applications, most providers are paying 40% more than they realize.

Calculate Your True Costs
Learn More

Explore Solutions

Discover how FreshCredit can transform your credit infrastructure.

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FAQ /

Frequently asked questions

FreshCreditFreshCredit®INC

Credit and identity infrastructure for the modern world.

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© 2026 FreshCredit® Inc. All rights reserved.

FreshCredit® Inc is not a bank, credit union, credit repair company, or credit reporting agency (CRA). FreshCredit® does not make lending decisions, extend credit, guarantee credit outcomes, or provide financial advice. The FreshCredit Ecosystem™ provides infrastructure that enables third-party providers to build credit and identity products. BlockID™, BlockScore™, BlockIQ™, and The FreshCredit App™ are trademarks of FreshCredit® Inc. All credit decisions are made by providers building on the FreshCredit® platform.