Algebrik AI, the world’s first cloud-native, AI-powered Loan Origination Platform (LOS), has announced a bureau integration partnership with Equifax®, a global data, analytics, and technology company. Through this partnership, financial institutions using Algebrik can now access a broad spectrum of Equifax data—credit and trended data—natively within their lending workflows.

The integration supports credit unions, community banks, and fintech lenders in building more accurate, inclusive, and efficient lending experiences, without requiring additional implementation cycles.

What It Means for Lenders

The Equifax–Algebrik partnership brings together structured credit data and real-time lending workflows to help solve persistent pain points in underwriting:

• Faster Policy Deployment, Backed by Bureau Data

  With Equifax attributes accessible natively inside Algebrik’s no-code decisioning engine, credit and risk teams can deploy new strategies faster—without IT intervention. From adjusting score thresholds to introducing new borrower segments, lenders can operationalize policy updates with speed and control.

• More Inclusive Risk Models

  Equifax bureau data, including trended credit history and other credit attributes, is now surfaced within Algebrik’s decisioning engine—allowing lenders to evaluate applicants beyond traditional scores and improve underwriting accuracy.

• Prebuilt Compliance Logic

  Equifax data is utilized within Algebrik’s configurable, audit-ready lending workflows to support adherence to Fair Lending, ECOA, and other regulatory mandates—reducing manual overhead and compliance risk.

• Designed for Real-Time Risk Logic

  Algebrik’s platform is designed to reduce the operational complexity of lending. By surfacing Equifax bureau data natively within our decisioning engine, lenders can avoid switching between systems and instead design contextual, data-driven credit policies from a single interface. The integration enables no-code configuration of rules using credit file insights—such as trended data—allowing credit and risk teams to respond to borrower signals with greater speed and precision.

• Enabling Scalable, Inclusive Lending Growth

  As institutions aim to serve broader borrower segments while maintaining compliance, the integration of Equifax bureau data supports more informed, consistent decisioning. By incorporating insights from credit files—including trended history and alternative data—lenders can more confidently assess thin-file, underserved, and next-gen applicants. The result: inclusive credit products launched with accuracy, transparency, and full auditability baked into the workflow.

Algebrik AI, headquartered in New York City, is the world’s first cloud-native, AI-powered, digital-era Loan Origination System (LOS), designed for the next generation of members. In an industry that hasn’t seen significant innovation in lending technology in over 25 years, it was high time that someone stepped in to help credit unions of all sizes regain their former glory. Algebrik AI’s mission is to empower credit unions to attract, engage, grow, and retain next-gen members while staying competitive in today’s digital era. By transforming loan originations end- to-end, Algebrik AI takes on the heavy lifting, allowing credit unions to focus on helping the members & communities they serve.

Equifax® is a global data, analytics, and technology company that helps individuals live their financial best and helps organizations access the insights they need to make smarter decisions. Equifax is committed to expanding access to credit and powering modern lending experiences. Learn more at https://www.equifax.com