Congruit Credit is a modern consumer credit bureau redefining how creditworthiness is measured. By leveraging real-time, behavior-based data, we provide lenders and fintech companies with a clearer view of financial reliability—beyond outdated scores and static reports.
Our leadership team brings decades of experience in building and scaling some of the most trusted platforms in credit and data. Chief Executive Officer Tim Ranney founded Clarity Services, a bureau later acquired by Experian for its groundbreaking work with thin-file consumers. Chief Technology Officer Jim James developed Clarity’s core engine and now leads Congruit’s dynamic, behavior-driven technology. Strategic Advisor Steve Wagner, former President of Experian’s U.S. consumer bureau, helped launch VantageScore and drove global initiatives in fraud and analytics.
Together, they’re driving a new standard in credit—smarter, faster, and built for how people live today.
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.