fair credit index

Every lender measured fairness its own way, which meant no one could compare anything. Advocates had anecdotes, lenders had internal dashboards, and the public had neither — there was no shared number to argue about.

A published methodology, a knowledge hub holding every dataset and decision behind it, and a scoring pipeline that turns lender submissions into comparable quarterly scorecards — each figure linked back to its inputs.

The index is now the reference point. Lenders cite their scores in annual reports, two regulators reference the methodology in guidance, and the quarterly release is covered as news — which is what a benchmark is for.