For Financial Institutions
ClaimCredit's AI agents autonomously track peer-to-peer loans, verify repayment, and report character-based credit data to Experian — giving credit unions, CDFIs, and community banks the signals they need to serve thin-file borrowers and meet CRA requirements.
For Financial Institutions
26 million Americans are credit invisible. Most of them are actively borrowing — informally, in their communities — with no record reaching your systems. ClaimCredit changes that.
Turn community lending activity into Community Reinvestment Act-eligible credit history for your institution.
Character-based data — payment consistency, community trust, relationship depth — beyond what FICO scores capture.
AI agents confirm repayment across informal networks — no manual follow-up, no bottlenecks slowing your underwriting.
Serve the borrowers traditional scoring models can't evaluate — without adding risk or compliance exposure.
How It Works
Agents ingest peer-to-peer loan agreements and payment history through secure API integrations — no manual data entry required.
Agents confirm payment events across informal networks and flag discrepancies before any data is reported to a bureau.
Agents generate character-based reports: payment consistency, relationship length, and community trust signals — not just a FICO score.
Verified data is filed to Experian, converting community finance activity into mainstream credit history your institution can underwrite against.
The Mission
"The credit system was never built for communities like mine. My abuelita was the informal banker in her neighborhood. She tracked every loan in a notebook. None of it counted." — Daniel Henderson, Founder
ClaimCredit exists to make community finance visible to the institutions that decide who gets access to capital. Not through charity. Through infrastructure — AI agents that translate trust into credit.
ClaimCredit integrates with your existing workflows to surface community lending data — verified, standardized, and reported to credit bureaus — without adding friction to your underwriting process.