The FreshCredit App
Free consumer application providing self-custody credit data, portable identity verification, and credit reporting. Every user can build a FreshCredit Report — consumer or provider. The unified entry point for the full FreshCredit Ecosystem™.
Consumer Report
Your self-custody credit file built from verified data you control. Edge-held, portable, and always free. 44% of consumers who check their files find at least one error — FreshCredit recovers ~13% of qualified applicants previously lost to those errors.
Provider Report
The traditional credit report plus all connected provider reports averaged as a meta-signal. Gives providers a richer, more predictive view of creditworthiness with 25% predictive lift over traditional bureaus.
Self-Custody Wallet
Your credit data stored at the edge under your control. No centralized data custody. Free forever. No subscription fees, no hidden costs. Users host their own data at the edge—P2P storage with zero centralized overhead.
Portable Verification
Verifiable credentials via BlockID™ integration. Take your verified identity and credit data across providers without repeating KYC processes.
of consumers who check their credit files find at least one error
FTCof qualified applicants recovered with FreshCredit Report*
cost per tri-merge credit pull for providers using legacy bureaus†
consumer accounts—funded by provider transaction fees‡
* Based on FreshCredit® internal research on applicant recovery rates.
† Industry standard bureau pricing based on market research of major credit bureau providers.
‡ Free consumer accounts funded by provider transaction fees. No cost to consumers.