Consulytica & AI⏺ Disrupting traditional credit and finance
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All-in-one platform for consumers and businesses to build their alternative credit report, and businesses to harness our powerful financial systems for growth
Consumer Financial Empowerment
We're here to create a new credit future and provide financial access and tools to enhance your relationship with credit.
Budgeting System
Achieve your financial goals with ease.
Business Credit Exchange Pro
Access open B2B resources using your BCE Score.
Small Business Services
Harness the power of our technology.
You're worth investing in. //
Manifest your wealth.//
Rise above limitations. //
Tomorrow holds prosperity. //
Believe in abundance. //
Consumer⏺Second Chances
Who We Can Help
Are you uncertain about how your situation relates to all of this? Take a look at some of the cases below. This is not credit repair, but a new alternative credit future.
Thin Credit File
We’ll incorporate alternative data sources and advanced analytics to generate accurate credit scores and provide access to financial products and services.
Bankruptcy PRO
No worries, you’re in good company. We’re never short on fresh starts. Your new credit is not affiliated with your traditional credit and is not affected by it. We’ll also provide tailored financial guidance, rebuilding strategies.
Student
Access educational resources, personalized financial advice, and tools to help you build credit responsibly, empowering you to navigate your financial journey with confidence and success.
Poor Credit
We’ll provide access to alternative credit that will assist you with qualifying for loans, financing and more. We’ll also help with rebuilding your relationship with credit & finances.
Unbanked
No problem we have alternative financial products and services, such as Consulytica Pay and budgeting which allows you to manage your finances and build credit without the need for traditional banking accounts.
Small Business
We empower you to precisely evaluate the creditworthiness of potential borrowers and harness our APIs and scoring algorithms to build custom scoring and risk solutions, while enhancing your business credit profile.
See The Change
You have support every step of the way. Our approach is to simplify the process with intuitive visuals and helpful tools.
Advanced Dashboard
Track your credit and a wide range of data points, including user budget.
Integrated AI Support
Your AI Co-Pilot Gabby takes center stage to guide you on your journey.
Account Integrations
Securely add funds by debit and credit card or other electronic payment methods.
So, how does signup work?
Pick your plan, add a few pieces of information and verify your identity.
Simply link some accounts you’re paying our algorithms do the rest for you.
Poof! like magic your new credit score is here. Begin using it with our tools.
Need help? Check our documentation.
Consumer⏺Testimonials
Trusted by Many
“I didn’t think this was possible. My wife and I became members last week and both our scores are above 650. You really do get a fresh start with this company. We were able to get the loan we needed to fix our house.”
“I’m happy I downloaded this app. My credit score was higher with Consulytica than my Equifax credit report. I was also able to find a lender after registration. ”
Trusted by these amazing companies
Flexible Pricing
Flexible and affordable plans tailored to your needs. Try our 30 day free trial for limited time.
Credit Starter 30-day Trial
- Consulytica Pay
- ProV 24:V3 Score
- Funds Transfers
- Gabby AI Copilot
- *Pay Later Options
- Budgeting System
Credit Plus +
- All of Credit Starter
- Credit Account Linking
- Credit Report
- Credit Rewards
- AI Budgeting System
- Gabby AI Copilot
- Free Funds Transfers
Credit Elite + Protect
- All of Credit Plus
- Identity Monitoring
- Lower Current Bills
- Loan Offers
- Consulytica Black
- Peer IQ
Consulytica Portal Service
- Consumer Credit Screening
- Consumer Charity Activity
- Consulytica Pay Merchant
- Credit Score & Report
- API Access
- Account Reporting
Consulytica Portal Service
- Build Credit Report
- Account Linking
- AI Copilot Gabby
- Credit Monitoring
- B2B Credit Network
- Business Budgeting
- Digital Spending Card
Consulytica Portal Service
- All of Consulytica Portal
- Consumer Account Reporting
- Private Label Consumer Accounts
- Full API Access
- Create Customer Spending Cards
- Consulytica Movement
- Gamify Scoring Models
FAQ⏺Help Center
Have a question?
Our support team is always here to assist you. You can also find answers to commonly asked questions below.
Consulytica means ‘Consumer Analytics America’. We started this concept in 2019. We’re a non-traditional Credit Reporting Agency helping lenders and renters across the country to discover consumers who pay their bills on time.
When you first sign up, we’ll walk you through the process of establishing your Consulytica score. You’ll be asked to provide information for various accounts (bank, credit card, subscriptions, payday loans utility, insurance, etc.). When you finish you’ll reach your Consulytica Dashboard. From there you can add or edit accounts as necessary. Every time you log into Consulytica after your first time, you’ll start at your dashboard. Your dashboard will have other useful features too like Gabby your AI Copilot, bill reminders, and access to our Consulytica Rewards program.
Does Consulytica have anything to do with the major credit bureaus?
No, Consulytica is a Credit Reporting Agency registered with the BBB and operates under the FCRA just like those companies but uses “non-traditional information” (utility, subscriptions, mobile phone, and other bills) to build your score. Consulytica is not affiliated and does not affect the reports of these other companies.
Is Consulytica just for people with no credit or trying to build credit?
Consulytica can help people without credit and those who had perfect credit in the past and experienced some hard times that may have damaged their credit.
What if I don't use online login for accounts?
There’s an option for that! However, we recommend managing your accounts online. You should note, however, that setting up your account with online log-in sometimes, for some companies, converts your paper statements to electronic statements that come by email. Be sure to pay attention when you’re setting up online access to your accounts.
How do I use my new alternative credit score?
Due to Regulation B, an integral component of the Equal Credit Opportunity Act (ECOA) you can use your new report and score anywhere. We have also formed partnerships with business within the community for our members.
What's a Consulytica Community Tradeline?
A Community Tradeline is a unique finance and credit-building tool offered by participating businesses within the Consulytica network. Partners have the ability to offer financing options that they set the terms for, allowing their customers to pay for items later or finance them. It functions similarly to a traditional community tradeline but is specifically tailored to Consulytica's in-network businesses and community members. Through this program, Consulytica users can join a community tradeline where their credit activities are reported collectively, helping them build or improve their credit scores. By participating in the Consulytica Community Tradeline and managing their finances responsibly, users can benefit from positive credit reporting and potentially gain access to better financial opportunities.
Latest about Us
Consulytica is actively engaging with the community, forging partnerships, and integrating new technologies. Stay tuned for updates right here on our blog.