Realised savings from Bureaux pricing optimisation
PurplePatch delivers measurable cost transformation across credit bureau contracts.
Our experience across hundreds of engagements shows a consistent trend: organisations are frequently overpaying for identical bureau data and services relative to their peers. Through structured commercial analysis and targeted repricing negotiations, we unlock significant, sustainable savings within existing supplier relationships.
25%-50%
Typical contract value saving
What you could save
Whether your bureau contract is ready for renewal, or you want to renegotiate a better deal mid-term, we can help you successfully negotiate cost savings.
Since 2015, we have delivered a proven track record of saving our clients millions on their data spend every year.
| Industry | Saving | Saving % | Duration |
|---|---|---|---|
| Banking | £2m / $2.7m | 28% | 5 years |
| Banking | £5.1m / $6.8m | 40% | 3 years |
| Banking | £2.8m / $3.8m | 26% | 3 years |
| Finance Retail | £3m / $4m | 23% | 5 years |
| Finance Motor | £450k / $603k | 32% | 3 years |
| Finance BNPL | £400k / $536k | 30% | 2 years |
| Energy | £50k / $67k | 33% | 1 year |
| Energy | £6m / $8m | 50% | 3 years |
Case studies
Major Retail Bank
Savings: £5.1 million over 3 years (40%)
The bank suspected it was paying a high price for credit bureau data but had no external reference point to confirm this.
PurplePatch benchmarked the bank’s pricing against comparable organisations with similar data usage. The analysis showed that certain services were priced up to 100% above market levels.
Using this evidence, the bank renegotiated its contract and secured fair market pricing. The outcome was a £5.1 million reduction in costs over three years, achieved without any change to the underlying data services.
Banking Group
Savings: £2.0 million over 5 years (28%)
PurplePatch reviewed multiple bureau contracts across the group and identified pricing inconsistencies between business units.
Benchmarking highlighted opportunities to align pricing and remove duplication. The resulting renegotiation delivered a £2.0 million saving over the contract term while simplifying commercial arrangements.
Buy Now Pay Later Provider
Savings: £400,000 over 2 years (30%)
A fast-growing BNPL provider was scaling rapidly and relying heavily on credit bureau data.
Benchmarking revealed that the provider was paying materially more than similar organisations for the same services. PurplePatch supported negotiations that corrected pricing and reduced costs without disrupting the provider’s credit decisioning models.
Energy and Utilities Provider
Savings: £6.0 million over 3 years (50%)
The organisation used credit bureau data across customer onboarding and account management but had limited visibility of market pricing.
PurplePatch benchmarking identified significant overcharging across several services. The resulting renegotiation delivered a 50% reduction in total contract value, improving cost control while maintaining existing supplier relationships.
What these results show
These case studies highlight a consistent reality:
- Credit bureau pricing varies widely between organisations
- Organisations lack visibility of how their pricing compares across the sector.
- External benchmarking provides the leverage needed to correct pricing
The savings achieved are not the result of switching suppliers, reducing data access or changing risk appetite. They are the result of establishing fair market pricing.
What Our Clients Say
Gaining the upper hand in any negotiation has everything to do with the knowledge you bring to the table. Purple Patch's advisory services are first class in this regard and certainly gave my organisation the inside track on our recent bureau negotiations. Sharing swathes of relevant industry knowledge and insight on a sector that has become a true minefield to navigate, Nick and his team have very quickly moved themselves into my trusted advisory group. Their support has helped me best evaluate my options and to go on to realise substantial savings in our recent credit bureau negotiations. I would have no reservations at all in recommending their services. Thanks guys, great job.
- Richard Wilkins, Credit Risk and Fraud Director, Elavon Merchant Services
PurplePatch recently supported us with our work to revitalise the strategic impetus and focus on our credit bureau relationships. Their considerable expertise, strategic thinking and attention to detail were the foundations of our commercial review of bureau services. The benchmarking data provided by PurplePatch gave us far greater commercial insights to apply in our negotiations than we had previously. This helped us to shift the power dynamics in play and realise significant cost reductions in a short space of time, enabling us to unlock value at pace.
- Head of Supply Chain Management, Retail Bank
Anixter have recently worked with PurplePatch in support of a Review of our Credit Agency suppliers. With their considerable experience and knowledge of the industry we were able to identify synergies between Anixter's requirements and supplier offerings, which saved us a considerable amount of our own time & effort to narrow down our selection.
- Bryony Crossland, Director EMEA Financial Services, Anixter Limited
Working with PurplePatch made us open our eyes to how much more was possible to get from the Bureaux, if you know what to ask and how to ask it.
- Co-founder at a leading BNPL Finance provider