Credit Bureaus

Unified access to multiple business and consumer credit bureaus

Explore comprehensive credit profiles on businesses and consumers in one platform, and gain a better understanding of your customers. Access data from major bureaus for a holistic view of your customer's credit risk, financial position, and additional validated data points. Simplify both consumer and business onboarding and verification, optimising costs and accuracy via a single API.

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CHOOSE THE DATA PROVIDER OF YOUR PREFERENCE

The Sikoia way

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Unified Platform

Elevate risk assessment and operational efficiency with seamless access to both business and consumer credit reports.

20+ european countries

Ensure swift and precise credit risk evaluations across a wide geographic range.

Less operational & compliance risk

Reduce the risk of defaults and bad debt by making informed onboarding decisions.

Understanding the Process

Consumer checks

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Retrieve comprehensive consumer credit data, including scores, indebtedness levels, affordability and willingness-to-pay indicators, as well as additional insights including identity and address validation, CCJs, and fraud flags from the last six years. Satisfy your underwriting and risk requirements with detailed insights tailored to your requirements, from "soft" searches to full footprint searches.

Company checks

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Retrieve detailed company financial, credit, and management and ownership data. Company credit reports go beyond public data sources, bringing in additional data validation and proprietary insights, including full financial data and more comprehensive ownership information. Enhance your business onboarding and assessments with additional insights, giving a more detailed perspective into your partners and customers.

Evaluation

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Here, data is meticulously sourced from credit bureaus. This step is vital as it delves into credit history, outstanding debts, and past repayment behaviours. Additionally, based on the information retrieved, a risk level is often assigned to reflect the creditworthiness of the subject.

Outcome

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After the evaluation, a detailed credit report is generated. Accompanied by a credit score, this report is a concise summary of an entity's financial trustworthiness. It typically includes basic details like names and addresses, account standings, any credit judgments, or bankruptcies, and even connections to other financial entities or individuals.

Configurable compliance, tailored to your needs

Seamless API integration

Our all-encompassing API ensures smooth incorporation of data providers, enhancing your existing onboarding strategies.

Choose data providers

Handpick from a curated list of Credit bureaus, with industry giants like CreditSafe and TransUnion at your fingertips.

Decisioning automation

Implement and automate rules to encode your organisation's unique internal policies using Sikoia's Decisioning Automation.

Bundle with registries data and AML insights

Dive into advanced credit analysis with Sikoia, empowering confident, strategic decisions. Seamlessly integrate modules like company registry and open banking data to bolster your KYC/KYB processes. Streamline applications for enhanced operational efficiency and an improved customer journey. Centralize access to credit bureau data, simplifying global coverage without multiple vendor contracts.

Your choice, our modules

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    PEPs, Sanctions & Adverse Media

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    Identity Verification

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    Credit Bureaus

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    Open Banking

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    Public Registries & Online Data

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    Documents

Getting started is easy

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