INSIDE OUR REPORT
Everything you need in one report.
Most credit reports capture a fraction of how someone actually manages money. Ours was built to catch the rest, along with everything else you need to approve a loan. And it’s FCRA-compliant.
What we report
The Giving Credit report is the most comprehensive financial picture available for these borrowers – including the information no one else reports, and the data you're already asking for, finally in one place.
COMMUNITY
Records of money lent and repaid to friends and family
Most credit reports capture a fraction of how someone actually manages money. Ours was built to catch the rest, along with everything else you need to approve a loan. And it’s FCRA-compliant.
LOANS
Payments that were always on time, even if no one was counting
Repayment behavior across loans that traditional systems don't track, including payday loans paid off in full.
INCOME
Money coming in, wherever it comes from
Cash flow across paychecks, gig income, and government assistance, giving a fuller read on financial stability than a pay stub alone.
ASSETS & LIABILITIES
What's owned, what's owed, and what that adds up to
Asset balances and monthly liability payments, tracked over time, for a clearer view of overall financial standing than a single number can capture.
INTEREST & GOALS
Where someone is going and where they’re trying to go
Personal financial objectives and forward-looking plans, context that helps explain not just where a borrower stands today, but what they're working toward.
INSIDE OUR REPORT
How it’s built
Information in our report comes from a few different sources, and every piece carries its own verification status. We aggregate data that is:
Self-reported with evidence
A borrower reports a transaction, like a loan or repayment, and attaches documentation to support it.
Furnished by a partner
A trusted partner reports data directly on a borrower's behalf.
Uploaded and parsed
Bank statements, digital wallet app history, pay stubs, and benefit records, verified directly from the source.
Verified automatically
When money moves through Giving Credit itself, that transaction is confirmed the moment it happens.
REPORT RESULT
Every transaction on the report carries its own verification status, so underwriters know exactly how much confidence to place in each line. That richer detail means approval decisions can be based on real creditworthiness, instead of a biased algorithm.
OUR REPORT
Trust through more financial data
Giving Credit borrowers consistently provide more financial data and documentation than we ask for. They'd rather their financial lives be seen accurately, than reduced to a flattened score.
Most applications for credit ask dozens upon dozens of questions, then ask for documents to prove every answer. Giving Credit works differently. There's no long application. Just an invitation to upload the documents they already have, and we take care of the rest.
That trust and ease is how we're able to collect and verify data no other credit report has access to.