Array (company)

Array is a credit data company helping people know more about their financial and credit health, to help those users buy, borrow, and get access to financial services. The company offers a platform that works to increase data accessibility with security, privacy, and consent built into the platform to protect sensitive data.

The company markets their platform and solutions towards financial technology companies, financial institutions, direct-to-consumer retail companies, employee benefits providers, and credit services institutions.

The My Credit Manager product offered by Array allows users to embed credit tools into applications. The features included in the product are credit scores from a single or multiple bureaus, credit score trackers and factors, credit score alerts, a credit score simulator, a credit report dispute tool, debt analysis tools, and a credit protection tool.

The company offers three deployments for My Credit Manager, including a white label deployment for a complete application, the choice to embed the product into an existing application, and through an API to help users develop on top of the product. The product allows users to choose which tools are included and users only have to pay for usage or when users customers engage with the product.

The company's Offers Engine is a product intended to increase conversion with real-time credit data to increase personalized offers for customers. This includes a custom business logic tool that allows a user to fully tailor the data returned by the Offers Engine API, a credit data attributes tool that offers industry-standard credit data attributes, and a marketplace offers tool that yields personalized recommendations for products and services for users.

The deployment of the Offers Engine is through an API that can be integrated with other services, including Zapier, Google Analytics, and Amplitude. The tool is intended to offer customers better offers for marketing, including increasing conversion and offering tailored credit products to the right customers.

Array offers an ID Protect product as part of the company's platform. The product, as the name suggests, works to protect the credit and private information of customers. The available features of the product include ID Theft Insurance and Restoration, which offers up to $1 million of protection against identity theft and assistance for restoring a compromised identity; dark web monitoring, which scans the web for fraudulent use of personal information; SSN monitoring, to detect and prevent identity theft outside of credit bureau' vision; and change of address monitoring, which detects and alerts in the case of an unauthorized change of address.

Like Array's other products, there are multiple ways to integrate into a user's applications and those users only have to pay for customer use.

Array offers an API with data attribution and dictionaries. The company's aggregator model simplifies pricing by avoiding large monthly data commitments and the need to stick with any single bank, credit bureau, or security vendor. The company uses tokenized data to eliminate the need for PCI compliance; the company says it also helps for faster deployments and no audits.

Array's range of embedded tools, white labels, and SDKs are updated often by the company and can be customized through a headless CMS.