SentiLink, the leading provider of innovative identity, fraud, and risk solutions, today announced plans to launch Repute, a consumer reporting agency offering a new suite of credit products. Its first offering, the Repute Score for Alternative Finance, will be an FCRA-actionable credit score that enables alternative finance lenders to approve or decline leads before paying for a specialty bureau pull, generally available March 1, 2027.
Lenders that buy leads at volume pay for specialty bureau report on most of them, resulting in significant expense that could be avoided if better intelligence was available sooner in funnel. Repute Score sits in front of that call. Lenders can approve lowest-risk leads and decline highest-risk leads on Repute Score alone, then send only uncertain middle to bureau. Because score is FCRA-actionable, lenders can take adverse action on it directly.
In retrospective study using one design partner's historical lead funnel, Repute Score would have materially reduced specialty bureau calls by decisioning on approximately 60% of leads at Repute step. It better isolated nonpayment risk where bureau-approved leads scored as highest-risk by Repute were nearly 2x as likely to early default than portfolio baseline. It also identified fundable good leads where bureau-rejected leads scored as lowest-risk by Repute charged off nearly 20% less often than portfolio baseline when funded by other lenders.
The Repute Score will be built only on inquiry and tradeline data furnished by participating lenders, including how loans perform after funding. It does not use data from SentiLink's fraud products, and lenders do not need any other SentiLink product to use it.
Lenders can join as data furnishers now and evaluate score on own lead funnels ahead of launch. SentiLink team will be at LEND360 in Austin, Oct 12-14.
About SentiLink
SentiLink, the leading provider of innovative identity verification and fraud prevention solutions, empowers organizations to accurately identify customers and detect synthetic fraud, identity theft, and other hard-to-detect forms of first-party fraud. Its best-in-class solutions leverage a deep understanding of identity and risk informed by machine learning models and insights from a team of the industry's best risk analysts.
SentiLink serves:
13 of the 15 largest U.S. banks;
8 of the 10 largest U.S. credit unions;
3 of the 5 largest U.S. telecoms; and
500+ other companies and government organizations.
Headquartered in San Francisco, the company was founded in 2017 by Naftali Harris and Max Blumenfeld and has raised $85M to date from investors including Andreessen Horowitz, Craft Ventures, and NYCA Partners, among others. Every day, SentiLink verifies 3M+ identities and flags over 150,000 high-risk applications to help its partners reduce fraud losses and verify more legitimate customers.
About Repute
Repute is SentiLink's suite of credit products that will be offered through a consumer reporting agency operated separately from SentiLink's other businesses. The first product, the Repute Score for Alternative Finance, will be generally available March 1, 2027.
