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The most broken part of consumer credit runs on data nobody can see.
From the first missed payment through full recovery, we saw that unifying the data could transform how credit works. We took the system no one would touch and rebuilt it.
The system fails them. The data sits scattered across disconnected systems. The rules were written for an analog era where small mistakes meant million-dollar fines.
The compliance burden, state-by-state licensing, and operational complexity scared others away. Now, they’re the moat.
The economics of treating people well never scaled. The people who can least afford bad service have always gotten the worst of it. AI breaks that link.
in debt serviced across the platform
consumers engaged with January
of the user journey is automated by AI
higher consumer satisfaction than original lenders
Collections fails on four things at once. Fixing any one in isolation doesn't work.
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Data has always lived across dozens of disconnected systems. We built the layer that brings it into one place.
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Most agencies leave compliance to the agent on the phone, with a script and limited oversight. We built into the system, where it’s governed automatically.
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We scaled service with technology: 95% of interactions run through AI, with humans stepping in where judgment matters most.
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Creditors place more and more volume with us each year. Consumers rate us 50% higher than the banks they borrowed from.
Better recommendations help creditors recover more. More recovery brings more volume, which produces more interactions, which train better models.
With more than a billion interactions, we've developed deeper insights and driven outcomes that no competitor can match.
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Recovery — the hardest stage, the most to prove. We started here because if January worked here, it would work anywhere.
Helping people before they default. Creditors set guardrails: tone, terms, escalation. January operates within them. The result: charge-off rates come down, and the brand stays protected.
The infrastructure underneath every credit decision. In order to lend, you need to collect. The better January recovers, the more bets creditors can take on consumers they'd otherwise turn away. Every stage we add expands the credit to people who need it.
The consumer in collections today is the one who gets approved tomorrow.
January sees both sides of that transition.
What we learn from how someone recovers makes us better at catching them before the next default. Every stage we add makes the data underneath the others better.
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Copyright © 2026. January. NMLS ID# 1644298
