Infact
AI NativeEmpowering better lending with accurate, real-time credit data
Est 2022
Empowering better lending with accurate, real-time credit data
Published Jun 24, 2026
Public social posts indicate continuing product expansion (for example, identity layer announcements), but detailed roadmap commitments and dates are not present in formal documentation reviewed. (https://uk.linkedin.com/company/infactsystems)
Searches for company-specific discussion on community platforms did not return prominent product evaluations. The lack of public commentary can indicate either fewer controversies or limited market penetration, which reduces the availability of independent validation.
Based on partner announcements and Infact content, customers appear to select Infact for:
The vendor acknowledges the challenge of building a bureau network and incumbent network effects (vendor blog).
Industry press coverage and vendor announcements confirm the partnership with Curve for more frequent reporting. Coverage validates the existence of the partnership but does not validate the performance metrics claimed.
Infact appears suited to organisations that can support API integration, model governance, pilots, and retrospective performance measurement. Estimated company size: small to mid-market organisations (e.g., fintechs / challenger lenders up to mid-market lenders).
Get a comprehensive analysis of Infact including market position, competitive landscape, adoption trends, and peer benchmarks.
Download full report →Mainstream SaaS review platforms (for example, G2, TrustRadius, Gartner Peer Insights) did not surface a substantive Infact product review page in accessible search results during this research window.
Practical impact: Star ratings and review-volume heuristics are not available; diligence will need to rely on reference calls, pilots, and partner case studies.
A vendor-published testimonial attributed to James Wilkinson, Head of Lending at Fair For You, states that the vendor's Affordability Engine improved expenditure assessments relative to ONS, increased acceptances, reduced referrals, and maintained low application friction. This testimonial is published on Infact's product pages (product overview and feature pages).
Caveat: This is a vendor-published testimonial; methodology, baseline, and measurement window are not independently verified.
In a vendor case study PDF, Curve leadership is quoted as reporting a reduction in manual referrals and additional credit limits issued. The case study claims that referrals moved from a substantial share requiring manual review to fully automated processing and cites a significant cumulative amount in additional credit limits issued to date. The case study attributes these outcomes to the vendor's affordability and reporting products (vendor case study PDF).
Caveat: These are vendor-sourced claims; buyers should request definitions of cohorts, time windows, and calculation methods to validate the metrics.
Claimed outcomes (selected):
Critical evaluation / methodology gaps:
Summary: A Provenir-hosted PDF describes a validation exercise using Infact’s Affordability Engine on a large sample of consumers and reports increases in automated decisions and new lending with similar default rates.
Critical evaluation:
Infact is a UK credit reference agency (CRA) offering an API to query, report, and manage credit information. Product modules include:
The vendor asserts that legacy bureau data can be incomplete or out of date and describes its approach as promoting more frequent data sharing via an API-focused architecture.
Official source evidence: Product positioning and module list are described on the vendor's official website and product pages.
Infact appears primarily targeted at:
Infact also maintains a consumer support portal describing how it provides credit information and statutory reports, consistent with a CRA posture (consumer support materials on the vendor site).