Congruit Credit is a next-generation consumer credit bureau redefining how creditworthiness is evaluated in today’s economy. Founded on the belief that financial behavior is dynamic, not static, Congruit leverages real-time data and alternative indicators to provide a more complete, fair, and forward-looking credit profile for every consumer.
We go beyond traditional credit scores by incorporating untapped insights that reflect real-life financial habits and reliability. Our mission is to empower lenders, fintechs, and identity verification platforms with the tools to make smarter, faster, and more inclusive credit decisions.
Led by industry veterans and data innovators, Congruit is committed to transparency, innovation, and expanding access to credit for individuals historically overlooked by legacy models.
Our Leadership
Tim Ranney
Chief Executive Officer
Founder & CEO
Tim Ranney is the Founder and CEO of Congruit Credit Bureau and a recognized leader in the consumer credit and financial data industry. With over two decades of experience, Tim is best known for founding Clarity Services in 2008, an alternative credit bureau focused on non-prime consumers. Clarity was acquired by Experian in 2017 and became a key player in expanding access to credit for underserved populations.
Widely regarded as an innovator in subprime lending, Tim has been at the forefront of developing data-driven tools that help lenders assess risk for thin-file and no-file consumers. His insights into credit behavior and data trends have made him a sought-after speaker and presenter, including to regulatory bodies such as the CFPB and FDIC.
At Congruit, Tim continues his mission to redefine how creditworthiness is evaluated, bringing smarter, more inclusive solutions to the lending industry.
Jim James
Chief Information Officer
Jim James is the CIO of Congruit Credit Bureau, with over 20 years of experience leading technology teams at both startups and large enterprises. He founded the Clarity platform, a real-time credit and tradeline reporting solution, and continued to lead it after its acquisition by Experian.
At Congruit, Jim is focused on developing innovative, data-driven technology that expands access to credit and drives smarter decision-making across the industry.