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ConsulyticaDisrupting Traditional Credit and Finance

Alternative: CreditPaymentsLendingSavingsFinance

AlternativeCreditPaymentsLendingSavingsFinance

An AI-integrated platform enabling consumers and businesses to cultivate alternative credit scores and financial profiles, demonstrating creditworthiness to unlock access to improved financial options 

You're worth investing in. //

Manifest your wealth.//

Rise above limitations. //

Tomorrow holds prosperity. //

Believe in abundance. //

Financial Empowerment for People & Business

We partner with banks, lenders, credit unions, local retailers, and dealerships to leverage our alternative credit data, helping you secure auto financing, mortgages, store credit, and business loans. Our goal is to create a new future in alternative credit, providing financial access and literacy with tools to enhance your financial health and develop your alternative credit profile.

ProV 24:V3 Credit Score

Get your new alternative Credit Report & Score for instant use.

AI-Driven Credit Analysis

Tailored insights, credit tips, and income-boosting strategies.

Consulytica Pay

An innovative consumer spending and credit building account.

Rotating Savings ROSCA

Business and consumer savings circles with lump-sum payouts.

X Bill Negotiator Elite Package

Lower your bills to free up money for other important things.

Advanced Budgeting

Evaluate goals, bills and spending for your financial health.

Non-traditional Earners. //

Returning Citizens. //

Entrepreneurs. //

Young Credit Builders. //

Immigrants. //

ConsumerSecond Chances

Who We Can Help

Are you uncertain about how your situation relates to this? Take a look at some of the cases below. This is not credit repair, but a new alternative credit future.

Thin Credit File

We’ll incorporate alternative data sources and advanced analytics to generate accurate credit scores and provide access to financial products and services.


Bankruptcy PRO

No worries, you’re in good company. We’re never short on fresh starts. Your new credit is not affiliated with your traditional credit and is not affected by it.  We’ll also provide tailored financial guidance, rebuilding strategies.

Student

Access educational resources, personalized financial advice, and tools to help you build credit responsibly, empowering you to navigate your financial journey with confidence and success.

Poor Credit

We’ll provide access to alternative credit that will assist you with qualifying for loans, financing and more. We’ll also help with rebuilding your relationship with credit & finances.


Unbanked

We have alternative financial products and services, such as Consulytica Pay and budgeting which allow you to manage your finances and build credit without the need for traditional banking accounts.

Lender & Bank Services

We empower you to precisely evaluate the creditworthiness of potential borrowers and harness our APIs and scoring algorithms to build custom scoring and risk solutions, while enhancing your consumer portfolio.

Non-Traditional Earner

We support non-traditional earners with the linking of alternative data, innovative credit scoring and alternative banking data. By partnering with CDFI’s, we provide financing opportunities typically unavailable to you.

Small Business Credit

We enable small businesses to receive credit for everyday bills that don’t appear on traditional business credit reports. This helps them establish credit faster, opening up opportunities for business loans and financing. 

Immigrant

We help immigrants establish credit by incorporating alternative data, such as utility and subscription payments, into credit evaluations. This allows immigrants to build credit profiles even without credit history.

Learn Through Our FinEd Tech

Financial Literacy & Planning Center

Powered By AI

Your financial co-pilot is here to answer all your financial questions. Stay informed and maximize your finances and credit with her expert assistance.

Create a plan for me to pay down my taxes.

I just filed for bankruptcy. What should I do next?

Develop a personalized budget for me.

Write a letter to remove a negative item from my credit report.

What's an Annual Percentage Rate (APR)?

I just filed for bankruptcy. What should I do next?

Develop a personalized budget for me.

Write a letter to remove a negative item from my credit report.

Why is budgeting important?

Get me in a better position to purchase a home.

What's the best strategy to save money?

What are good financial habits?

Our Story

Welcome to the nation’s first Black-owned fintech credit bureau.

We're revolutionizing non-traditional, alternative credit data

Our approach is holistic, embracing a commitment not just to renewed credit but to actively shape and contribute to the financial access and education of our community.

So, how does signup work?

Pick your plan, add a few pieces of information and verify your identity.

Simply link some accounts you’re paying our algorithms do the rest for you.

Poof! like magic your new credit score is here. Begin using it with our tools.

ConsumerTestimonials

Trusted by Many

Trusted by these amazing companies

Flexible Pricing

Flexible and affordable plans tailored to your needs. Try our 30 day free trial for limited time.

Credit Starter
$
0.00
per month
Create Account
  • Consulytica Pay
  • Consulytica Number
  • ProV 24:V3 Score
  • Funds Transfers
  • Community Tradelines
  • Rotating Savings
  • Budgeting System
Credit Plus +
$
24.99
per month
Create Account
  • All of Credit Starter
  • Credit Account Linking
  • Credit Report
  • Bank Account Linking
  • AI Co-Pilot
  • Advanced Budgeting
  • Free Funds Transfers
Credit Elite Family Plan
$
34.99
per month includes 1 family member
Create Account
  • All of Credit Plus
  • Score Planner
  • Lower Current Bills
  • Loan Offers
  • Consulytica Black
  • Peer IQ
  • Gabby AI Planning

Secure Payments: Consulytica uses 256-bit encryption and strict security measures to protect your information.

FAQHelp Center

Have a Question?

Our support team is always here to assist you. You can also find answers to commonly asked questions below.

Latest About Us

Consulytica is actively engaging with the community, forging partnerships, and integrating new technologies. Stay tuned for updates right here on our blog.

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