Consulytica⏺ Disrupting Traditional Credit and Finance
Alternative: CreditPaymentsLendingSavingsFinance
AlternativeCreditPaymentsLendingSavingsFinance
An AI-integrated platform enabling consumers and businesses to cultivate alternative credit scores and financial profiles, demonstrating creditworthiness to unlock access to improved financial options
You're worth investing in. //
Manifest your wealth.//
Rise above limitations. //
Tomorrow holds prosperity. //
Believe in abundance. //
Financial Empowerment for People & Business
We partner with banks, lenders, credit unions, local retailers, and dealerships to leverage our alternative credit data, helping you secure auto financing, mortgages, store credit, and business loans. Our goal is to create a new future in alternative credit, providing financial access and literacy with tools to enhance your financial health and develop your alternative credit profile.
Non-traditional Earners. //
Returning Citizens. //
Entrepreneurs. //
Young Credit Builders. //
Immigrants. //
Consumer⏺Second Chances
Who We Can Help
Are you uncertain about how your situation relates to 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
We have alternative financial products and services, such as Consulytica Pay and budgeting which allow you to manage your finances and build credit without the need for traditional banking accounts.
Lender & Bank Services
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 consumer portfolio.
Non-Traditional Earner
We support non-traditional earners with the linking of alternative data, innovative credit scoring and alternative banking data. By partnering with CDFI’s, we provide financing opportunities typically unavailable to you.
Small Business Credit
We enable small businesses to receive credit for everyday bills that don’t appear on traditional business credit reports. This helps them establish credit faster, opening up opportunities for business loans and financing.
Immigrant
We help immigrants establish credit by incorporating alternative data, such as utility and subscription payments, into credit evaluations. This allows immigrants to build credit profiles even without credit history.
Learn Through Our FinEd Tech
Financial Literacy & Planning Center
Powered By AI
Your financial co-pilot is here to answer all your financial questions. Stay informed and maximize your finances and credit with her expert assistance.
Create a plan for me to pay down my taxes.
I just filed for bankruptcy. What should I do next?
Develop a personalized budget for me.
Write a letter to remove a negative item from my credit report.
What's an Annual Percentage Rate (APR)?
I just filed for bankruptcy. What should I do next?
Develop a personalized budget for me.
Write a letter to remove a negative item from my credit report.
Why is budgeting important?
Get me in a better position to purchase a home.
What's the best strategy to save money?
What are good financial habits?
Our Story
Welcome to the nation’s first Black-owned fintech credit bureau.
We're revolutionizing non-traditional, alternative credit data
Our approach is holistic, embracing a commitment not just to renewed credit but to actively shape and contribute to the financial access and education of our community.
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.
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
- Consulytica Pay
- Consulytica Number
- ProV 24:V3 Score
- Funds Transfers
- Community Tradelines
- Rotating Savings
- Budgeting System
Credit Plus +
- All of Credit Starter
- Credit Account Linking
- Credit Report
- Bank Account Linking
- AI Co-Pilot
- Advanced Budgeting
- Free Funds Transfers
Credit Elite Family Plan
- All of Credit Plus
- Score Planner
- Lower Current Bills
- Loan Offers
- Consulytica Black
- Peer IQ
- Gabby AI Planning
Business Credit Builder
- Build Credit Report
- Account Linking
- Business Credit Score
- Business Credit Score
- B2B Credit Network
- Finance Budgeting
- Consulytica Pay Account
Portal for Education
- ProV 24:V3 Score
- AI Budgeting
- Funds Transfers
- Consulytica Pay
- AI Copilot Education
Consulytica Portal
- Credit Screening
- Charity Activity Report
- Funds Transfers
- Unlimited Screens
- Account Creation
- Account Reporting
- Branded Account
Consulytica Portal +
- All of Portal
- Consumer Reporting
- Funds Transfer
- Customer Creation
- Branded Card Issuing
- Customer Portal
- Card Fee Structuring
- Hosted Offers
- Access Management
- Hosted Signup Page
- 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.