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CreditBridge

Payment visibility and borrower accountability

A payment visibility and borrower-accountability workflow that collects consent, verifies payment records, maintains an audit trail, and prepares eligible account information for approved reporting partners.

Available from launch

Core capabilities

Borrower consent capture

Granular consent for payment monitoring, identity matching, and data collection.

Identity matching

Borrower identity verification and matching across payment sources.

Loan-account registration

Register disbursed loan accounts with repayment schedules.

Payment schedule registration

Record due dates, amounts, and amortization schedules.

Payment-event collection

Ingest payment records from verified sources.

Payment verification

Verify payment records against source data with clear status.

Status tracking

Track current, late, delinquent, cured, and disputed statuses.

Bank repayment dashboard

Portfolio-wide repayment visibility for your lending team.

Borrower payment-history view

Borrowers can view their own verified payment history.

Data-quality controls

Automated validation of payment data completeness.

Dispute submission workflow

Borrowers can submit disputes; banks investigate.

Reporting-readiness assessment

Automated evaluation of data completeness.

Future Capability

Credit-bureau reporting pathway

CreditBridge's architecture supports partner-led credit reporting. The following capabilities will become available as approved reporting partner relationships are established.

Live transmission to U.S. credit bureaus

Available only after partner activation

Live transmission to Canadian credit bureaus

Available only after partner activation

Credit-score impact

Available only after partner activation

Bureau tradeline creation

Available only after partner activation

Bureau dispute exchange

Available only after partner activation

Metro 2 production reporting

Available only after partner activation
CreditBridge does not currently transmit to credit bureaus. Reporting partner connections are under evaluation. No credit-score impact should be claimed until partner relationships are contractually approved, technically certified, and legally reviewed.

How CreditBridge works

1

Borrower gives separate consent for CreditBridge payment monitoring

2

Disbursed loan is registered with repayment schedule

3

Payment records are collected from verified sources

4

Payments are verified and matched to borrower identity

5

Dashboard shows current, late, delinquent, and disputed statuses

6

Data-quality and reporting-readiness are continuously assessed

7

Eligible data is prepared for partner-led reporting pathways

Interested in CreditBridge?

Available as part of the SecureBridge platform. Contact us to discuss payment monitoring and reporting-readiness for your portfolio.

Request a Bank Pilot