Pricing that pays for itself

Just because an applicant is "invisible" to the bureau doesn't mean they don't have a digital footprint. If they have a smartphone or are applying online, they have a story to tell.

Credolab generates a predictive risk score for 100% of your applicants using privacy-safe device and behavioural metadata, not credit history.

We fill the gap, giving your risk team a consistent signal from day one. You grow the portfolio today; the bureau catch up tomorrow.

Think of us as the high-efficiency filter at the very top of your funnel. Why waste your most expensive KYC and income checks on bots, device farms, or malicious applicants?

By placing our intelligence layer at the start of the waterfall, you identify non-human threats and manipulated sessions instantly. You stop the "operational waste" and ensure your budget is spent only on genuine, high-quality humans that have a high probability of paying you back.

It’s a leaner funnel and a better bottom line.

We aren't a tracking tag; we are an intelligence input.

Credolab sits at the very start of the onboarding journey, analysing the integrity and user's intent in that session. We don't just identify the device; we assess the applicant’s willingness to repay.

It’s a scoring-grade decisioning tool that identifies the character behind the clicks, helping you reserve those costly downstream checks for the applicants who actually deserve them.

Not at all. Credolab is built to be a complementary power-up for your current models, not a replacement.

While our "sweet spot" is scoring thin-file applicants, our scores are equally effective at catching high-score "hit and run" fraudsters who have no intention of paying.

You can champion/challenge our scores against your existing setup or use them as a complementary layer. Either way, you get the score via a simple API, and our experts guide you through the process.