Providing lenders an API for accessing and analyzing credit bureau data is the business of Bloom Credit, a company that supplements what is available from TransUnion, Experian, and Equifax with a playbook its clients can use to navigate FCRA, CRA, and other compliance issues. Bloom Credit customers are mainly fintechs looking for lending opportunities among unbanked and underbanked consumers not served by traditional banks. Digital banking companies including Chime, Stash, and Varo have put an estimated 15 million debit cards in the hands of these consumers, whose ranks are growing and acco...