360 is risk infrastructure built for CRAs like yours: five products — Source Intelligence, Scoring Engine, Adjudication Desk, Live Monitoring, and Passport — on one compliance rail. Adopt what you need, bring your own sources and providers, author what makes you different — and stay the CRA of record with your customers.
Hard-wired to one or two wholesalers. Reselling the same reports as every competitor. Every new product a year-long build, every audit a fire drill — and no telemetry when a source silently breaks.
Pick the products you need. Keep your wholesaler contracts — credentials carry over. Author proprietary Signals and Scores no one can copy. Win customer loyalty by personalizing their individual context through Policy Thresholds. You remain the CRA of record, always.
Source Intelligence brings the records in — Spider, your wholesalers, your API. Signal Studio reads them. The Scoring Engine scores them. Policy Studio sets your thresholds — and the Adjudication Desk decides by them. Live Monitoring keeps it current. And the Passport carries the trust — “Powered by [you]”, with the consumer in control.
The same five products from the catalog below — running in your hard-isolated tenancy, on a compliance rail maintained for you. Live on day one, alone or together.
You compose one Confidence Score — one engine, one signal set, one score per individual, applied consistently. Each customer’s policy set sits on top — an element plus a threshold raises REVIEW, and the decision is CLEAR unless a policy triggers. The score is an optional element, never the reason alone. Same measurement, their meaning.
Fairness gates are available on every policy threshold before it ships — run them on your data, and the result is logged — personalization lives in the adjudication layer, never in the measurement. That's what lets you show one consistently measured score, with personalization isolated in the adjudication layer.
Six guided steps in the console. Library defaults do the heavy lifting; the two Studios turn them into IP that’s unmistakably yours — each piece back-tested on the Bench before it ships.
Point the platform at your data: Spider sources, your wholesalers, or a straight API push.
Describe the signal you want in plain language — the Studio drafts editable rules; validate on your data whenever you choose.
Blend your signals with library engines into your named Confidence Score — reason codes included.
Write your decision thresholds in Policy Studio — and replay history on the Validation Bench when you choose, to see what would have cleared or flagged.
Prove the whole thing on your own data — standard frameworks, lift, fairness — packaged for examiners.
Batch or API: your score plus each customer’s Clear / Review — “Powered by [you]”.
No graded raw scores, no black-box blends. Every one of the 66 library signals (57 ship on) resolves to exactly one state, and every point of the Confidence Score decomposes to named signals — designed to support the reason codes a §615 adverse-action notice requires.
Answered in the applicant’s favor — a completed clean search, or an affirmative confirmation. The classifying fact is the search event itself: a meaningful zero, with the no-hit evidence retained for disputes.
A qualifying record that survived the signal’s eligibility contract, or a contradicted support. This is where the reason code attaches.
Uncovered county, unreachable index, absent data class. Inability to verify is neither clean nor dirty, and it is not inferred either way.
Every signal ships with its compliance contract — §607 source gates, status exclusions, and §605 / state legal windows. A record failing any gate is removed before an outcome exists.
Nothing compounds by accident. Each layer is named, and each is tunable by you.
Four fixed bands, and a publish gate: the back-tests below must all pass before a version goes live, atomically — designed to support your own validation record.
v21 reference cohort — illustrative. Results on your own data will differ; the Validation Bench measures them on your files.
Your business is a chain: ingest records → turn them into your own signals and scores → help your customers decide → monitor what changes → keep the consumer's trust. One product per link, with the compliance rail under all of it.
Your lifecycle is the catalog: one product per stage, the compliance rail with all of them. Buy by the work you do.
Every product stands alone and delivers value on day one — bring your own score or use ours: Stages 3–5 run on any score you already publish — the compliance rail underneath comes with all of them. No bundles required, no rip-and-replace — add the next product when the last one has earned its keep.
The one 360-branded surface: a neutral passport where consumers hold every issuer's Confidence Score side by side — each attributed to its CRA, each shared on the consumer's terms: consented, scoped, time-boxed, revocable.
Asset by asset: what running a CRA looks like today, and what it looks like on the platform.
| The value you sell | Without 360 | On 360 |
|---|---|---|
| Intelligent source orchestration | Platform vendors hand you integrations — but you still choose, route, and monitor every source by hand | Access to the sources you need — wholesalers, court runners, your own URLs — without owning the integrations, with an orchestrator that intelligently directs the best source per purpose, record type, and geography |
| Always-on reliability | You learn a source broke when orders start failing | Live health on every source, built-in backups and failover, retrieval that heals itself — and new sources discovered for you |
| Intelligence, not just data | You sell well-compiled reports — and the only contest is who has the best coverage | You sell insight: your own Confidence Score, consistently measured — with each customer's context deciding what it means for them, Clear or Review — an edge your institutions can feel |
| See risk others miss | Fraud rings and synthetic identities hide across siloed, single-file checks | Entity graph plus cross-member alerts surface rings and synthetics before onboarding — a differentiator your customers recognize in their loss rates |
| Earn the consumer's trust | The consumer is a cost center and a litigation risk | The consumer becomes an ally: your score in their 360 Confidence Passport, “Powered by [you]”, traveling to institutions you never sold to — disputes and notices handled on-rails |
| Audit-ready, fairness-tested | Compliance is your spreadsheets; “prove it works” is a six-figure consulting project | Compliance lives in the rails and proof is one click — jurisdiction rules, audit trails, and the validation study packaged for examiners, maintained for you |
| Value beyond the report | Reports are priced per-PDF — and your customer still connects the dots alone | An intelligence layer on every report — monitoring, benchmarks, decisions — that keeps your customer consistent and compliant, and keeps you priced on value |