Alternative Data and Predictive Insights for Lenders
Revelar gives your credit team a signal traditional bureau scores do not have: nearly two decades of real dispute outcomes, turned into a prediction for every tradeline in your file. Use it to find the 720s hiding inside your 650s without changing your credit policy.
What Revelar adds to your data
Most lenders read the same bureau data and run it through similar models. When that data holds an error, a sound model still makes a poor call. According to the Federal Trade Commission, one in five consumers has an error on at least one of their three credit reports.
Revelar is an alternative data model, and the alternative data is our own: more than 30 million credit dispute outcomes across Equifax, Experian and TransUnion, procured by TrackStar over nearly two decades. Revelar does not use any other alternative data source. Each outcome records what actually happened when a piece of credit data was disputed. For each tradeline you send it, Revelar returns a probability that the item holds a material error.
It works alongside your traditional lending models. It does not replace underwriting, pricing or approval decisions, and it evaluates data accuracy, not people.
Who it is for
Any team that makes or supports credit decisions on bureau data.
Fintechs and digital lenders
Re-engage applicants who were declined because of credit errors, not credit risk.
Banks and credit unions
Give previously declined applicants and members a fair second look.
Credit bureaus
Add error intelligence to the data products lenders already buy from you.
Financial service providers
Feed more accurate inputs into sponsor bank, BNPL and embedded lending decisions.
How it works
Deploy in your environment
Revelar runs in a secure Docker container inside your environment, with no LLMs and no external API calls, so raw credit data never leaves your servers.
Connect the data you already pull
A simple API and a lightweight ETL process feed Revelar the tradelines in your existing applicant and customer files.
Score every tradeline
Revelar returns the probability that each item holds a material error, based on how similar items resolved in real disputes.
Act on the insight
Send flagged files for a second look, a re-engagement campaign or a review queue. Your credit policy stays the same.
Case study: Best Egg
Proven on 20 million credit reports
- 20M+historical credit reports scanned
- <3 mintotal scan time
- 3.4Mconsumers with credit report errors
Best Egg, a leading fintech lender, used Revelar to scan more than 20 million historical credit reports in under three minutes, with zero data movement. It found 3.4 million consumers with material credit report errors, and that discovery revealed a nine-figure net-new lending opportunity in its existing database.
Read the Case StudyFrequently Asked Questions
What is alternative data in lending?
Alternative data is credit-relevant information that falls outside a traditional credit score. Revelar uses one source of it: TrackStar's own data, more than 30 million real credit dispute outcomes that show where bureau data is likely to be wrong. It does not use other alternative data sources.
Does Revelar replace our credit model?
No. Revelar works alongside your traditional lending models. It flags possible errors in the data those models read, and your underwriting, pricing and approval standards stay the same.
What does Revelar return?
For each tradeline, Revelar returns a probability that the item holds a material error. Your team decides what to do with that signal.
Does our credit data leave our environment?
No. Revelar runs as a container inside your own environment, with no external API calls, so raw credit data never leaves your servers.
How long does it take to deploy?
Most organizations are live within weeks. Best Egg had Revelar running inside its platform within a few weeks, using a simple API and a lightweight ETL process.
Related reading
Ready to See What's Hidden in Your Data?
Book a discovery call and see how Revelar uncovers the opportunities already inside your existing credit files.