LendingMetrics Launches DeeJoop to Eliminate Multi-Bureau Credit Data Duplication

LendingMetrics has launched DeeJoop, a proprietary platform designed to eliminate the "double counting" of credit commitments when lenders pull data from multiple bureaus. By distilling disparate Credit Reference Agency files into a single "net" view, the tool allows fintechs to improve affordability assessments and reduce the risk of rejecting viable borrowers due to data duplication.

What was announced

LendingMetrics officially brought its DeeJoop platform to market this week, marking the culmination of a development cycle that began in mid-2020. The solution is specifically engineered to address a common friction point in credit risk: the duplication of data when a lender queries more than one Credit Reference Agency (CRA). When lenders seek a more comprehensive view of an applicant—particularly those with "thin" credit files—they often encounter the same mortgages, defaults, and County Court Judgments (CCJs) reported across multiple bureaus, which can artificially inflate a consumer's debt profile.

DeeJoop uses proprietary algorithms to interrogate these multiple files and remove duplicated elements, producing a distilled "net" credit file. This allows for higher-quality affordability assessments and more accurate eKYC checks while ensuring compliance with fair treatment regulations. Crucially, the system retains a copy of the original CRA files to ensure that subject access requests and data corrections can be managed through standard channels. The platform is delivered as a standalone SaaS solution via a single API, though it can also be integrated directly into LendingMetrics’ existing Auto Decision Platform (ADP) and LMX environments. The API is built to be "future-proofed," handling potential changes to CRA file formats or connectivity protocols automatically.

"Against the backdrop of the evolving regulatory landscape, DeeJoop ensures that lenders can make better credit decisions whilst seamlessly on-boarding more customers in an ever more competitive environment."

David Wylie at LendingMetrics

The companies involved

LendingMetrics is a UK-based data specialist and credit risk technology provider that has become a significant fixture in the financial services ecosystem. The firm focuses on providing automated decisioning tools and real-time data solutions to a broad spectrum of lenders, ranging from high-street building societies to specialized fintech firms. Its primary market position is built on its ability to bridge the gap between complex Credit Reference Agency data and the practical needs of credit risk departments.

The company is best known for its Auto Decision Platform (ADP), which allows lenders to automate their underwriting processes without heavy reliance on internal IT resources. By operating across the CRA spectrum rather than being tied to a single data provider, LendingMetrics positions itself as an agnostic intermediary. This independence is central to the launch of DeeJoop, as the company leverages its visibility across different bureau data structures to provide the "net" view required for modern affordability testing. David Wylie serves as a key figure in the company's leadership, overseeing the rollout of these proprietary SaaS solutions.

What FF News has reported before

FF News has closely tracked LendingMetrics’ expansion and its growing influence in the automated lending space. We recently reported on the company’s internal growth, specifically when LendingMetrics Appoints Jamie Land as Head of Presales to Drive Credit Risk Innovation. The firm’s technical reliability has also been recognized by the industry, as seen when LendingMetrics Secures Seventh Consecutive Technology Partner of the Year Win in 2026.

Our coverage also highlights the firm’s practical application in the market. This includes partnerships such as when Camco Finance Partners with LendingMetrics to Automate Specialist Vehicle Lending and the news that Chorley Building Society Goes Live with LendingMetrics' Auto Decision Platform. These milestones underscore the company's transition from a niche data tool to a core infrastructure provider for diverse lending institutions.

What this means

The launch of DeeJoop addresses a structural inefficiency in the credit market that has persisted despite the shift toward Open Banking. As regulatory pressure for "perfect" affordability assessments increases, the industry is moving away from single-bureau reliance. However, the technical debt involved in de-duplicating multi-source data has often acted as a barrier to entry for smaller lenders. By productizing this de-duplication, LendingMetrics is lowering the hurdle for multi-bureau strategies. This puts pressure on traditional CRAs to improve their own data interoperability, while raising the bar for what constitutes a "fair" assessment in the eyes of regulators.