The FreshCredit Report
Every user can build a FreshCredit Report. Consumers get self-custody credit files. Providers get traditional reports plus connected provider reports averaged as a meta-signal.
Consumer Report
Your self-custody credit file built from verified data you control. Edge-held, portable, and always free. 44% of consumers who check their files find at least one error — FreshCredit recovers ~13% of qualified applicants previously lost to those errors.
Provider Report
The traditional credit report plus all connected provider reports averaged as a meta-signal. Gives providers a richer, more predictive view of creditworthiness with 25% predictive lift over traditional bureaus.
Self-Custody Wallet
Your credit data stored at the edge under your control. No centralized data custody. Built on Rust-based infrastructure delivering 587× faster reads than legacy systems.
Portable Verification
Verifiable credentials via BlockID™ integration. Take your verified identity and credit data across providers without repeating KYC processes.
of consumers who check their credit files find at least one error
FTC Study on Credit Report Accuracyof qualified applicants are lost due to credit report errors
FreshCredit® internal researchcost per tri-merge credit pull for providers using legacy bureaus
Industry standard bureau pricingfaster reads via Rust-based edge infrastructure (libSQL/Turso)
FreshCredit® Lab benchmarks