What if a single bureau search
isn't showing what you need to see?
You call one bureau. You get back a credit profile. You price the risk. But a single bureau source sees only part of the picture. Different bureaux hold different records, different address histories, different alias names. A person who appears clean on one bureau may have adverse data on another.
Bureau Intelligence orchestrates simultaneous calls to Experian, TransUnion, and Equifax through a single integration - and returns a unified, de-duplicated credit attribute set in sub-second time at point of quote.
The Single-Bureau Blind Spot
Each credit bureau holds a different slice of a person's financial history. Experian, TransUnion, and Equifax don't share data with each other. Their records overlap in some areas and diverge in others.
A single bureau search returns what that bureau knows. It can't tell you what the other two hold. An applicant with a clean Experian profile may have CCJs recorded at TransUnion. An address alias known to Equifax may not appear on Experian.
Most insurers call one bureau. Some call two through separate integrations. Almost none have the ability to call all three simultaneously, de-duplicate the results, and feed discovered keys back into the search.
That's the gap Bureau Intelligence closes.
What Multi-Bureau Changes
Bureau Intelligence calls multiple bureaux in parallel, harmonises their responses, and returns a single unified attribute set. No duplicate management. No conflicting formats. One response, richer than any single source alone.
But the real power is in the orchestration. Keys discovered from one bureau feed back into the others. An address alias found by Equifax triggers a new search at Experian. A name variant from TransUnion discovers records that the original keys missed.
When combined with Quote Intelligence through the Intelligence Hub, bureau-discovered keys also feed back into the Quote Lake - and quote-discovered keys feed forward into bureau searches. The cycle compounds.
Dual bureau delivers 7x more predictive power than a single source. Triple bureau delivers up to 8x.
The predictive case for multi-bureau
The uplift from multi-bureau isn't marginal. It's transformational. Each additional bureau source doesn't just add data - it validates, extends, and compounds what the others found.
public bureau alone
single open-source
single open-source
TransUnion, Equifax
Public and Private Bureau
Public bureau data includes electoral roll, CCJs, bankruptcies, and IVAs - the information available from public records. Private bureau data includes credit account histories, payment patterns, utilisation rates, and application footprints.
Private bureau alone is 4x more predictive than public sources. Most insurers already use some form of public bureau. The step-change comes from adding private bureau data, and the compound effect comes from adding multiple private sources.
The Orchestration Effect
Bureau Intelligence doesn't just call multiple bureaux. It orchestrates the results. Address aliases discovered by one bureau feed into searches at the others. Name variants trigger additional lookups. The search expands with each discovery.
When delivered through the Intelligence Hub alongside Quote Intelligence, the effect compounds further. Quote-discovered keys drive bureau searches. Bureau-discovered keys drive quote searches. Each pass finds more than the last.
This iterative enrichment is what produces the 7x and 8x uplift numbers - not just more data, but smarter searching.
From soft checks to full credit searches
Bureau Intelligence supports multiple search types through the same integration, configured per use case through your Inform Manager instance.
Quotation Search (Soft Check)
A soft footprint search that doesn't affect the applicant's credit file. Used at point of quote to enrich pricing decisions with credit signals without triggering a formal credit application.
Returns electoral roll confirmation, public bureau data, and - where configured - private bureau attributes including credit account summaries and financial stress indicators.
Ideal for real-time enrichment within the quote journey where you need credit context but can't leave a hard footprint.
Credit Application Search (Hard Check)
A full credit search that records a footprint on the applicant's credit file. Used at point of bind or for premium finance acceptance where a formal credit check is required.
Returns the complete credit profile including application history, account-level detail, and payment performance. Monthly share updates are reported via SFTP where required by bureau agreement.
Both search types flow through the same Intelligence Hub connection - no separate integration needed.
From quote to enriched response in sub-second time
Every bureau search follows the same orchestrated path through the Intelligence Hub - whether it's a single-bureau soft check or a triple-bureau full search.
- 1 Quote or payment acceptance arrives at your system
- 2 Your system calls the Intelligence Hub (single HTTPS/JSON connection)
- 3 Address validation and normalisation (Hopewiser)
- 4 Routing: quotation search (soft check) or credit application search (hard check)
- 5 Simultaneous calls to configured bureaux (Experian, TransUnion, Equifax)
- 6 Discovered address variants and aliases fed back for additional searches
- 7 Multi-bureau responses de-duplicated and harmonised into unified attribute set
- 8 PIM rules execute: credit banding, fraud flags, affordability logic, financial stress indicators
All current and future bureau configurations roll out via your single Intelligence Hub connection. When a new bureau provider or data type becomes available, it appears as a configurable option in your Inform Manager instance - no re-integration required.
"We see this partnership with Percayso as a valuable addition to what we deliver."
How Bureau Intelligence works for your business
Bureau Intelligence enriches every person on your Single Customer View with third-party financial and identity data - matched at person level using verified identities from Customer Intelligence for high match rates and minimal false positives.
For Insurers
Credit markers, affordability signals, and electoral roll confirmation feed directly into pricing models and fraud detection rules. Multi-bureau improves Gini coefficients, reduces adverse selection, and supports fair treatment of customers with complex financial histories.
Solutions for InsurersFor Brokers
Pre-enrich submissions with bureau data before placing with carriers. Knowing that a customer has adverse credit or an undisclosed CCJ before submission allows your team to route the risk to the most appropriate market - reducing declinations and improving carrier relationships.
Solutions for BrokersFor MGAs
The third-party data layer that supports delegated authority underwriting. Enriched records feed pricing engines or trigger refer-to-underwriter workflows. Match rate reporting by scheme gives you evidence for capacity reviews.
Solutions for MGAsFor Comparison Sites
Improve risk segmentation within pricing partnerships. By appending financial signals at point of quote, you can work with carrier partners to offer more accurate pricing - improving conversion for low-risk users and reducing adverse selection for your panel.
Solutions for Comparison SitesBureau Intelligence works with
Quote Intelligence
Quote-discovered keys drive bureau searches. Bureau-discovered keys drive quote searches. The cycle compounds.
Learn more
Customer Intelligence
Resolved identities mean more bureau matches. Clean keys in, richer credit data out.
Learn more
Inform Manager
Your rules engine for bureau data. Credit banding, fraud flags, and affordability logic - all controlled by your team.
Learn moreWhat would your pricing look like with 7x the predictive power?
Start with an Evaluate. We'll show you how multi-bureau enrichment performs against your book - the additional records found, the aliases discovered, and the predictive uplift your pricing model could achieve.
