Tim Ranney is getting back into the credit-reporting business this spring.

Ranney — who previously owned Clarity Services, which was purchased by Experian in 2018 — is launching Congruit Credit, an emerging national consumer credit reporting agency positioned to usher in a “new era” of credit reporting and monitoring solutions.

With a mission to modernize the role of credit bureaus in today’s economy, Ranney highlighted that Congruit can provide deeper, real-time insights into consumer financial behavior — empowering more accurate, fair, and forward-looking underwriting decisions.

“At Congruit, we’re leveraging data that has never been part of the credit conversation — but speaks volumes about consumer behavior,” Ranney said in a news release. “This untapped information offers lenders deeper insight and more actionable solutions, giving them a clearer, real-time picture of risk and reliability. It’s a vital step in redefining how creditworthiness should be measured in today’s economy.”

Congruit Credit’s platform is built with adaptability in mind, offering tailored solutions for:

—Consumer lending: Enhanced approval precision through intelligent data modeling

—Peer-to-peer transactions: Risk-reduction tools that build trust between participants

—Collections: Predictive insights into payment behavior to support recovery strategies.

—Identity verification: Strengthened validation to prevent fraud and ensure compliance.

Headquartered in St. Petersburg, Fla., Congruit Credit will lead product development, partnerships, and industry collaborations from its flagship office. The company is currently onboarding early adopters ahead of its upcoming release.

Ranney’s previous venture in this space culminated in 2018 when Experian acquired Clarity Services and began to roll out new tools such as Clear Early Risk Score that leveraged alternative credit data.

Three years before the acquisition, the Consumer Financial Protection Bureau fined Clarity Services $8 million for what the regulator deemed to be illegally obtaining consumer credit reports. Bureau officials charged that Clarity also violated the law by failing to appropriately investigate consumer disputes.

At the time, Ranney said, “While we do not agree with the CFPB’s allegations, the settlement allows Clarity Services to move beyond this distraction.”

Evidently moving well beyond that “distraction,” Ranney and his team at Congruit Credit appear ready to serve clients.

As a next-generation credit bureau, Congruit said it’s moving beyond static historical scores by assessing creditworthiness as a dynamic, situational measure. Its advanced data tools are designed to serve industries that rely on timely and trustworthy credit intelligence.

“Credit is not a one-size-fits-all system,” Congruit chief technology officer Jim James said in the news release. “We’re inferring outcomes — not just reporting history — so businesses can act with more clarity and confidence.”

Organizations interested in early access, API integration, or strategic partnerships can visit www.congruitcredit.com to learn more.