Credit Assessment

Prove CreditworthinessWithout Credit Pulls

Demonstrate credit health through zero-knowledge proofs that don't impact your credit score.

How It Works

Three simple steps to prove creditworthiness while protecting your credit score

1

Connect Credit Data

Link to credit monitoring services or financial accounts via zkTLS

2

Generate Credit Proofs

Create verifiable claims about credit ranges and payment history

3

Share Without Impact

Provide credit verification without triggering hard inquiries

Key Benefits

Why lenders choose CredZK for credit assessment

Score Protection

Verify credit ranges without hard pulls that lower your score

Payment Privacy

Prove payment history without exposing specific debts

Risk Profiling

Demonstrate creditworthiness through cryptographic guarantees

Alternative Data

Include non-traditional credit factors in assessment

Real-World Applications

Industries leveraging privacy-preserving credit assessment

Lending

Pre-qualification without credit score impact

Enable borrowers to check loan eligibility and rates without triggering hard inquiries that damage credit scores.

Insurance

Risk assessment for premium calculation

Assess customer risk profiles for insurance pricing while maintaining privacy of financial information.

Employment

Background checks for financial roles

Verify creditworthiness for positions requiring financial responsibility without impacting candidate credit scores.

Tenant Screening

Credit verification for rental applications

Help landlords assess tenant creditworthiness while protecting prospective renters from unnecessary credit pulls.

Technical Specifications

Comprehensive credit data integration capabilities and verifiable claims

Supported Data Sources

Credit monitoring services (Credit Karma, Experian app)
Bank payment history and patterns
Utility and subscription payment records
Alternative credit data providers

Verifiable Claims

Credit score ranges (600+, 700+, 750+)
Payment history patterns
Credit utilization ratios
Account mix and credit age
Derogatory marks and collections

Ready to Transform Credit Assessment?

Join progressive lenders using CredZK to assess creditworthiness while protecting customer credit scores.