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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
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.