Real-Time credit intelligence for high-intent lead generation. Mar 25, 2026 Relintex is a financial wellness fintech platform providing solutions for finance, insurance, and legal teams. To support its finance partners, Relintex turned to Spinwheel to enable actionable intelligence early in the customer journey - without introducing friction or filtering out prospects too early based on inaccurate data. Partnering with Spinwheel allows Relintex to deliver real-time credit data visibility and connectivity at scale. The challenge. Traditional underwriting approaches rely heavily on static credit data or require pre-qualification steps that reduce decision making and slow down the process. At the same time, partner underwriting requirements have become more sophisticated - demanding better data earlier, without burdening the consumer. Relintex needed a way to build an underwriting engine that could deliver fresh, credit data at scale - while staying invisible to the consumer. The company faced a trio of core challenges: * Capturing real-time credit intelligence with a simple intake process. * Supporting partner underwriting needs with richer, more reliable credit data. * Maintaining fast, low-friction user experiences critical to underwriting performance. The Spinwheel partnership. With Spinwheel, Relintex embedded real-time credit intelligence directly into its lead underwriting engine in a way that is frictionless for consumers. Using Spinwheel's network and data capabilities, Relintex can now: * Enrich leads with real-time and verified credit data. * Power a custom pre-qualification and underwriting system for Spinwheel Network partners. * Maintain a frictionless, SMS-based connection experience via Spinwheel Connect. * Ensure credit data is always current through ongoing Profile refreshes. * Enable secure, reusable connectivity that scaled across partners using the Spinwheel Network. * Reduce operational complexity. The impact. Relintex now delivers underwriting decisions to its finance partners that are not just high-intent, but context-rich, current, and immediately actionable. With Spinwheel, Relintex has transformed how it delivers value to both consumers and partners - turning credit data into intelligence-rich opportunities. "Spinwheel's network approach made it possible to build our own underwriting logic while staying scalable." - Relintex Team

Spinwheel strengthens real-time consumer credit data access with multi-bureau integrations. Jessica Kendall Mar 12, 2026 U.S. household debt continues to grow in both size and complexity, exceeding $18 trillion. That's nearly 30% higher than in 2020 with mortgages representing more than 70% of total debt. At the same time, credit card delinquency rates have nearly doubled since 2014. This underscores the need for more accurate, real-time credit insights. And, it's why Spinwheel now integrates with TransUnion, a global information and insights company that makes trust possible in global commerce, as part of its multi-bureau support solution. By integrating with multiple major U.S. credit bureaus, Spinwheel provides clients with flexible bureau selection and resilient access to real-time consumer credit data. Now, they can access most bureau's data within a unified infrastructure - ensuring business continuity, stronger partnerships, and optimal credit decisioning as bureau requirements vary across lenders and marketplaces. "Our bureau integration strengthens our commitment to 'always-on' bureau data access for our clients," said Tomás Campos, co-founder and CEO of Spinwheel. "Spinwheel is the critical consumer data partner for lenders, marketplaces, and financial platforms that need verified, frictionless experiences powered by reliable, real-time credit data. We are committed to supporting our clients' ability to deliver efficient and better financial outcomes for their customers." Using only a phone number and date of birth, Spinwheel Network verifies and unifies identity, credit data, and payments in real time through. This enables participants to make smarter credit decisions, improve conversion, and reduce risk using the most accurate and up-to-date consumer profile. Spinwheel partners with lenders, marketplaces, personal financial management platforms, and other financial innovators to provide real-time, verified consumer credit data to process payments as part of their clients' existing workflow and operations via APIs. Spinwheel's platform and the Spinwheel Network currently support more than 15 million users and 165 million connected credit and liability accounts, facilitating over $1.5 trillion in consumer debt across its network. Jessica Kendall. Head of Content and Communications