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Consulytica is a 501(c)(3) nonprofit organization operating as a community-based credit platform and is not a traditional credit reporting agency, bank, or lender.

Pay by FinCliq™ formally Consulytica Pay, is a financial access experience within the Consulytica ecosystem, powered by FinCliq. It is not a bank account or traditional financial instrument. Funds, balances, and payment features may be used within the Consulytica ecosystem and through participating merchants, partners, and supported payment experiences, subject to applicable terms and conditions. Services are not FDIC insured unless otherwise stated.

ProV 24:V3 Credit Profile Model is a proprietary model designed to evaluate financial behavior, stability, and verified activity to support access to opportunities within the Consulytica ecosystem. We are committed to responsible and inclusive decisioning and conduct ongoing reviews of our models and outcomes to support fairness, consistency, and performance.

Consulytica may incorporate alternative and community-based data to support credit profile development. Consulytica does not replace traditional credit bureaus, and its credit profiles may not be accepted by all lenders or institutions.

By clicking certain links, you may be directed to third-party websites. Consulytica is not responsible for the privacy or security practices of third parties. Please review their policies before providing personal information.

Third-party trademarks are the property of their respective owners and are used for informational purposes only. No endorsement is implied.

© 2026 Consumer Analytics Foundation (dba Consulytica). All Rights Reserved. EIN 41-5048710

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