About Sell Credit Data to AI
This site is run by people who read lending, collections and receivables software agreements through their own document reader, keep every document they quote, and answer each enquiry themselves.
Why we built this
A credit firm's history is spread across servicing, decisioning, collections and receivables platforms, each under its own agreement, and those agreements can keep rights a lender never negotiated. Reading them comes before any conversation with a buyer.
Who uses it
Owners and credit directors of lenders, collection agencies, debt purchasers and trade creditors who hold years of applications, repayments and recoveries and want to know whether that history can be licensed.
Inside this site
A quote form for one question, "sell credit data to ai", that runs right on the page with no sign-up, 4 guides on related questions, a table of figures you are free to cite (see the data and how it was made), and the list of sources behind every number.
- Credit data ownership: what lending software terms say: Credit data ownership read from the lending, collections and receivables vendors' own terms: who owns it, pooled use, model training and export at exit.
- Selling a loan book? Settle the data rights before you do: Selling a loan book moves the loans; the servicing history, decision data and recoveries stay in your systems. What the platforms, the rules and data buyers say.
- FCRA data furnisher requirements, and what bureaus give back: FCRA data furnisher requirements as the bureaus state them, set beside give-to-get exchanges and the AI-data licensors that pay holders for company data.
- How long do lenders keep records? The rules we read: How long do lenders keep records? Regulation B, Regulation Z, Regulation F, the Bank Secrecy Act and the GB rules, each period read from its own text.
What we leave out
- We never ask for a borrower's name, account number or credit report in the form.
- We do not rank or rate any vendor or bureau; a row is that firm's own sentence and our one-word reading of it.
- We do not forward an enquiry to a vendor, bureau or consortium named on these boards.
Who stands behind it
Joseph Ellul-Turner, Director.
How to reach us
Write to enquiries@sellcreditdatatoai.com or use Contact. Read Terms and Privacy for the legal terms.
No lender, bureau or software vendor paid to be on these boards, and no link here earns a commission. Each answer is our reading of a published document, not legal advice on your own contract. How the site is paid: when a lender or collector licenses its data to a buyer we introduced, our fee is 12.5% of the deal as its exclusive agent, or about 10% where the data joins a bundle or the pool, agreed in writing first; a fee any buyer pays us is credited to the holder.