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Digital-lending fintech CuneXus built a new, real-time credit-monitoring tool for credit unions and other financial institutions that gives consumers and members the ability to monitor and compare their credit ratings from multiple bureaus. According to the announcement on Monday from CuneXus, this tool will help consumers find the best loan options and higher approval odds from financial institutions.
The Madison, Wis.-based CUNA Mutual Group acquired CuneXus, the fintech start-up based in Santa Rosa, Calif., in October 2020. The CuneXus platform uses a combination of a credit union's member information and lending criteria, as well as member credit history, behavior and location to identify the best potential loan offers for members – with no application necessary.
The latest addition to the CuneXus technology, according to the company, will give account holders a more consistent and seamless digital experience by allowing financial institutions to display credit scores within the FI's existing CuneXus storefront, eliminating the need to monitor them elsewhere.
According to CuneXus, its new tool is about giving end-users more control over their financial health "by presenting suggestions for future financial decisions based on their real-time credit scores."
"We are very excited to enter the financial wellness market with our new credit monitoring solution," Dave Buerger, co-founder and president of CuneXus, said. "CuneXus has traditionally provided unparalleled transparency into consumers' borrowing power through a perpetual pre-approval. Our new product, which provides a transparent view into credit health, is a natural addition to our storefront. With the help of simulators, our tool helps customers understand their financial standings and suggests the best course of action based on their real-time credit scores. Unlike other credit monitoring solutions on the market that encourage more debt, our new solution helps consumers make informed financial decisions for their futures."
The tool also acts as an identity theft alert system that alerts users of any changes to their credit scores and gives suggestions of steps to correct the issues, according to CuneXus.
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Michael Ogden
Editor-in-Chief at CU Times. To connect, email at [email protected]. As Editor-in-Chief of CU Times since 2016, Michael Ogden has led the editorial team in all aspects of content strategy and execution, including the creation of the publication’s exclusive and proprietary research database of the credit union industry’s economic landscape. Under Michael’s leadership, CU Times has successfully shifted to an all-digital editorial product with new focuses on the payments, fraud, lending and regulatory beats. Most recently, he introduced a data-focused editorial product for subscribers that breaks down credit union issues into hard data, allowing for a deeper and more factual narrative for readers. In 2024, he launched the "Shared Accounts With CU Times" podcast, which offers a fresh, inside-the-newsroom perspective through interviews with leaders from the credit union industry and the regulatory world. He dives into pressing credit union issues, while revealing the personalities working behind-the-scenes to push the credit union world forward. His background includes years as a radio and TV anchor/reporter and a public relations and digital/social media manager, where he covered the food and music industries, as well as cooperatives and credit unions. Over the years, he has launched numerous exclusive video and podcast series, including a successful series of interactive backstage interviews with musicians at music festivals, showcasing his social media and live streaming production skills.
