......and representing you at no cost.
Our knowledge and understanding of the credit risk information market enables us to pick the perfect combination of products for your business.
Our holistic view of the global credit risk information market with complete pricing transparency enables you to make a clear and more informed choice.
Supporting and representing your business at every step of the renewal process.
Our mission is to use our unique blend of knowledge and expertise to make credit risk information purchasing frictionless, less time-consuming, and fully transparent.
The full implementation of Basel III in July 2025 has placed renewed pressure on banks' balance sheets.
PurplePatch
The FCA’s Credit Information Market Study in December 2023 confirmed what many in the industry have long recognised: the way credit data is shared, governed, and priced leaves too much room for inconsistency.
PurplePatch
From July 2026, BNPL providers will fall under full FCA oversight. Most firms are already focused on tightening up their controls.
PurplePatch
In May 2025, the FCA introduced PS25/3, a new regulatory return for firms with permissions for credit broking, debt counselling, and credit information services.
PurplePatch
What if the rates you’re paying for bureau data aren’t just expensive but wrong?
PurplePatch
When most people think of credit bureau benchmarking, they think of price. And yes, that’s a big part of it. We regularly help clients save 25% to 50% on their data contracts. But the benefits go much further.
PurplePatch
Think bureau benchmarking is just about cutting costs? Yes, it can unlock big savings. But that’s only half the story.
PurplePatch
Lenders have long relied on credit bureau data to assess affordability and risk, but that’s changing.
PurplePatch
We’re proud to announce our new tool, allowing firms to check bureau pricing for themselves in minutes. No more guesswork, no more lengthy negotiations without data—just instant clarity on whether you're overpaying for credit bureau services.
PurplePatch
Most lenders think of credit bureau costs as a procurement issue, something to review at renewal. But in reality, overpaying for credit data has a knock-on effect across the entire credit lifecycle.
PurplePatch
For decades, a lack of transparency has made it challenging for procurement and credit risk managers to easily compare pricing for credit data.
PurplePatch
While each credit provider is unique, we often find that the data challenges they face are comparable.
PurplePatch
Credit risk data is essential to every credit provider, that’s why making the right choice is an extremely important one.
PurplePatch
Understand the critical role of data benchmarking in ensuring quality and pricing transparency for credit risk assessments, enabling organisations to achieve significant cost savings and negotiate better deals by comparing their current data against industry standards and peer performance metrics.
PurplePatch
Unlock significant cost savings and superior data quality for your credit risk programs through effective contract negotiation and strategic vendor relationships.
PurplePatch
Navigate the evolving credit risk bureau landscape with confidence by exploring common questions and expert insights to make informed choices for your organisation's data needs.
Nick Green
Combat the rising threat of fraud in the financial sector by adopting a multifaceted approach that combines advanced technologies, streamlined vendor relationships, and robust data management practices for optimal protection and efficiency.
Nick Green
Transition to perpetual KYC monitoring to combat rising economic crime effectively, enhance compliance, and foster customer trust through real-time data analysis and continuous vigilance against financial threats.
Nick Green
Maximise the effectiveness of fraud prevention while managing costs by strategically negotiating with bureaux for transparent pricing, implementing regular performance reviews, and leveraging technology to enhance in-house monitoring capabilities.
Nick Green
Unlock significant savings and enhance your competitive edge by embracing credit data benchmarking to optimise costs, address data gaps, and make informed decisions that propel your business forward in the ever-evolving financial services landscape.
Nick Green
Ensure your credit bureau data purchasing process is efficient and cost-effective by streamlining internal communications, leveraging benchmarking data for fair pricing, negotiating flexible contracts, and optimising contract terms to enhance decision-making and risk management.
Nick Green
Embrace a multi-bureau credit data strategy to enhance decision-making accuracy, improve financial inclusion, and leverage competitive pricing by effectively negotiating rates and optimising data usage without incurring excessive costs.
Nick Green
Discover how data benchmarking enabled a major retail bank to identify inflated pricing and negotiate significant cost reductions—up to 40%—while enhancing its procurement strategy and promoting greater flexibility in contracts, ultimately leading to improved competitiveness and customer satisfaction.
Nick Green
Optimise your credit data negotiations by embracing transparency and leveraging data benchmarking to attain competitive pricing and flexible contracts, ultimately enabling you to pass cost savings on to consumers while enhancing your organisation's financial flexibility and market position.
Nick Green
Empower your procurement team to drive cost savings and enhance supplier relationships by leveraging data insights, increasing pricing transparency, and proactively managing contracts to ensure access to high-quality credit data that supports effective credit risk strategies.
Nick Green
Adapt to the digital-first landscape by leveraging Open Banking and enhanced data sources to improve affordability assessments, renegotiate data contracts, and ensure competitive pricing, ultimately supporting fair lending practices and protecting vulnerable consumers in the evolving financial services market.
Nick Green
Maximise your AI risk model performance and optimise costs by adopting a multi-bureau data strategy that enhances insights, improves accuracy, and supports efficient decision-making through effective benchmarking, a waterfall approach, and strategic negotiation practices.
Nick Green
Overcome bureau lock-in and enhance credit decision-making by adopting a multi-bureau strategy that diversifies data sources, improves risk assessment accuracy, reduces costs, and enables agile responses to changing market dynamics through systematic data gap analysis and strategic partnerships with multiple data providers.
Nick Frazer
To enhance your competitive edge and operational efficiency, lenders must focus on more than just rate negotiations for credit data contracts by prioritising flexibility, technological adaptability, and strategic partnerships, ensuring that contracts align with evolving market demands and consumer needs.
Nick Frazer
Leverage decades of credit data expertise to navigate the evolving landscape by embracing multi-bureau strategies, maintaining flexibility in contracts, and engaging expert partners for impartial benchmarking—ultimately enhancing risk assessments, optimising costs, and driving competitive advantage.
Nick Frazer
Leverage insights from extensive data benchmarking exercises to reduce credit bureau costs and enhance data quality by focusing on flexibility, questioning additional fees, understanding the full range of options, and challenging the status quo in negotiations—ultimately ensuring you secure the best possible terms for your credit data contracts.
Nick Frazer
To optimise credit risk assessments and manage data quality effectively, lenders should adopt a multi-bureau strategy that leverages additional data feeds, conduct retros to identify scoring gaps, and utilise data benchmarking to secure competitive pricing and flexible contract terms, ultimately enhancing decision-making while reducing costs
Nick Frazer
Futureproof your credit data contracts by leveraging benchmarking to secure competitive pricing, comparing commercial terms across providers, exploring available options for flexibility, and negotiating limits on RPI increases, all while ensuring that your agreements align with operational needs and market dynamics.
Nick Frazer
Enhance your bureau data contract negotiations by asking key questions to secure competitive pricing, ensure flexibility, and align with your strategic objectives in the dynamic credit risk landscape.
Nick Frazer
Explore how procurement in financial services is evolving from a cost-cutting role to a strategic driver of innovation and efficiency, enabling organisations to optimise supplier relationships, enhance pricing transparency, and adopt flexible contracts that support competitive growth.
Nick Frazer
Discover the advantages of adopting a multi-bureau approach in credit risk assessments, including enhanced data quality, competitive pricing, and greater flexibility, while addressing common misconceptions that hinder credit providers from switching and optimising their data strategies.
Nick Frazer
Learn how to transition from tactical to strategic pricing negotiations in bureau contracts by employing a structured framework that emphasises benchmarking, evidence-based insights, and competitor analysis to maximise cost savings and secure more favorable terms over multi-year agreements.
Nick Frazer
Explore the critical role of high-quality data in AI risk modeling and how data benchmarking can help identify reliable sources, ensure consistency, optimise costs, and improve data coverage, ultimately enhancing the accuracy and effectiveness of risk assessments in the financial sector.
Nick Frazer
