WestNet Credit Systems is building the first fully integrated US-Canada credit bureau — with transparent scoring, real-time disputes, and cross-border portability.
From unified cross-border reports to transparent scoring and rapid dispute resolution — built for people, not legacy systems.
One comprehensive credit file that spans both US and Canadian credit histories. No more fragmented data across borders.
Continuous monitoring of your cross-border credit file with instant alerts for changes, inquiries, and potential fraud.
A credit score you can actually understand. Clear factors, actionable insights, and no hidden proprietary algorithms.
Advanced identity theft protection with dark web monitoring, breach alerts, and recovery assistance across both countries.
Fix credit errors in days, not months. Our streamlined dispute process puts the burden where it belongs — on the data furnishers.
Establish credit in a new country using your existing history. Perfect for newcomers, expats, and cross-border professionals.
Unified commercial credit profiles for businesses operating in both the US and Canada with real-time trade line reporting.
A modern API and portal for lenders, landlords, and institutions to pull verified cross-border credit data with consent.
WestNet Bank OneCard™ holders get real-time credit reporting from both their USD and CAD wallets. Every swipe, every payment — unified into one cross-border credit profile automatically.
Important Product Disclosures: All products and services described above are subject to applicable US and Canadian regulatory approvals. WestNet Credit Systems is not currently a registered credit reporting agency under the Fair Credit Reporting Act (FCRA) or the Consumer Reporting Act (Ontario) and is in the process of obtaining all required registrations and authorizations. No credit reports, scores, or monitoring services are currently available.
Credit scores and reports described are illustrative of planned features and do not represent actual credit data. WestNet Credit Systems does not guarantee the accuracy, completeness, or availability of any credit information. All timelines, features, and service descriptions are forward-looking and subject to change without notice.
WestNet Credit Systems is not affiliated with, endorsed by, or connected to Equifax®, Experian®, TransUnion®, FICO®, or VantageScore®. These trademarks are property of their respective owners, referenced for informational and comparative purposes only. WestNet Credit Systems operates independently as a division of WestNet N.A., a subsidiary of WestNet Communications Ltd.
Getting started with WestNet Credit Systems is straightforward. Here's how we plan to transform your credit experience.
Create your WestNet Credit account with identity verification in both the US and Canada.
We compile your credit histories from both countries into a single, unified cross-border profile.
Get a clear, understandable credit score with detailed factor breakdowns and improvement tips.
Continuous monitoring, instant alerts, and rapid dispute resolution keep your credit accurate.
We learned from the data breaches of legacy bureaus. WestNet Credit is built from scratch with modern security architecture.
AES-256 encryption at rest and TLS 1.3 in transit. Your data is encrypted from the moment it enters our system until you request it.
Every access request is verified, every time. No implicit trust, no shortcuts. Built on modern zero-trust security principles.
Targeting SOC 2 Type II and PCI DSS compliance from day one. Regular third-party audits and penetration testing.
Biometric, hardware token, and SMS-based MFA options. No single point of failure for account access.
Full compliance with Canadian PIPEDA and US Gramm-Leach-Bliley Act privacy requirements for cross-border data handling.
Data segmentation, tokenization, and real-time anomaly detection. If something looks wrong, we catch it before it spreads.
WestNet Credit Systems and WestNet Bank share one unified platform. Your banking activity builds your credit — automatically.
Auto-reporting features available post-launch upon regulatory approval. WestNet Bank and WestNet Credit Systems are separate divisions with independent data governance under WestNet N.A.
Same account for Bank & Credit. Don't have one? Open an account at WestNet Bank.
WestNet Credit Systems is committed to full regulatory compliance in every jurisdiction we operate.
WestNet Credit Systems will comply with all FCRA requirements including consumer dispute rights, accuracy obligations, permissible purpose limitations, and adverse action notices.
Registration as a consumer reporting agency under FCRA is pending. No consumer reports are currently being furnished or sold.
Full compliance with Ontario's Consumer Reporting Act, Quebec's Act Respecting the Protection of Personal Information, and equivalent provincial legislation across Canada.
Provincial registrations are in progress. Services will not commence until all required approvals are obtained.
Cross-border data transfers comply with Canada's Personal Information Protection and Electronic Documents Act (PIPEDA) and the US Gramm-Leach-Bliley Act (GLBA).
Privacy impact assessments are being conducted. Data processing agreements with all third parties will be in place before launch.
Our scoring models are designed to eliminate bias and comply with the Equal Credit Opportunity Act (ECOA) and Canadian Human Rights Act. Regular fair lending audits will be conducted.
Scoring models are under development and will undergo independent bias testing and validation before deployment.
WestNet Credit Systems acknowledges the supervisory authority of the Consumer Financial Protection Bureau (US) and Financial Consumer Agency of Canada.
WestNet Credit Systems is not yet subject to examination by these agencies. Oversight will apply upon commencement of regulated activities.
All data furnished to WestNet Credit Systems will meet Metro 2 format standards and CDIA guidelines. We require furnishers to maintain accuracy and investigate disputes promptly.
Data furnisher agreements are being established. No trade lines or account data are currently being reported to WestNet Credit Systems.
Everything you need to know about WestNet Credit Systems and how we're building a better credit bureau.
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WestNet Communications Ltd. — Building next-generation financial, credit, insurance, and commerce infrastructure across the United States and Canada.
