Glossary entry
Credit bureau
A credit bureau is an organisation that collects and provides credit information (reports and scores) used to assess borrower risk.
Category
Lending technology
Definition
How it’s used in lending
- Pull credit reports and scores during assessment
- Validate identity and address history (where applicable)
- Support automated decisioning and referrals
Operational note
Teams should log bureau requests, responses, and timing for auditability and troubleshooting.
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