Looking for stronger decisioning indicators? Business Insights doesn't provide lists or records. It confirms, in real time, the education milestones an individual has represented as their own.
The gap in traditional data
The Challenge
Traditional credit models miss millions of creditworthy young adults, degree earners, and emerging professionals who simply haven't had time to build a file. When qualified applicants are invisible to your data, both sides lose the opportunity.
The solution
Business Insights complements traditional credit data with verified enrollment, degree, and completion records, reported directly by the institutions themselves.
It's not a replacement for credit data. It's the signal that tells you what credit data can't.
what you can do
Decisioning & Lending
Expand your borrower population with qualified applicants your current data can't see.
Approve more thin-file borrowers without taking on more risk.
Extend responsible credit access to the next generation of borrowers, and grow your addressable market doing it.
Verification & Identity
Verify the real students behind every gated offer, discount, and account.
Confirm degree credentials without manual document review.
Stop fraudulent applicants and bots before they enter your funnel, while reducing friction for legitimate users.
Beyond the weak signals
Business Insights moves beyond the workarounds, helping you make more accurate, informed decisions using verified education signals.
Easy to game, and no proof of current enrollment or completion.
Self-reported enrollment and credentials can't be trusted at scale.
Credit-based data provides an incomplete picture of the young adults you're trying to serve.
The Clearinghouse data advantage is built on trust, scale, and timeliness.
of U.S. postsecondary students
verified education records
institutions reporting directly
day data refresh
years as a trusted nonprofit
Built for
Fraud prevention & trust and safety teams
Fintech & consumer lenders
Private student lenders
Underwriting & decisioning platforms
Credit bureaus & alternative data platforms
Banks, credit unions & card issuers
Identity verification & KYC platforms
Student discount & gated offer platforms
Responsible use
The Clearinghouse was built for that responsibility.
The Clearinghouse does not sell student data or provide open access to student records.
Our FERPA- and FCRA-compliant operations help partners use education data responsibly and appropriately.
Explore how verified education signals can strengthen financial access, student verification, identity verification, or platform integration workflows.
Speak with a Consultant