Credeity is an independent third-party analysis service that produces payment behavior reports for regulated lenders evaluating healthcare borrowers.
Credeity does not originate loans, represent borrowers, or hold any lender or broker license. Every analysis is delivered as a structured, lender-facing report — independent of the borrower and independent of the credit decision. Credeity operates under documented data handling, access control, and retention policies designed for regulated financial institution workflows.
Traditional credit data tells lenders whether a healthcare borrower has defaulted. It does not tell them how that borrower pays vendors, manages payroll timing, or handles obligations under financial pressure.
Credeity was founded after direct observation of a gap that affects well-run healthcare practices across the country: practices with strong payment histories, disciplined operations, and no derogatory marks — struggling to access credit because bureau data simply cannot surface how they actually behave as obligors. Credeity was built to fill that gap, with structured, borrower-authorized analysis drawn directly from accounting exports.
The founding insight was direct, not theoretical. Years of proximity to healthcare practice operations — how practices manage payroll, vendor relationships, and core obligations — made clear that bureau data was not built to capture this behavior. Credeity was built to surface operational payment behavior, using a methodology structured for regulated lender workflows.
Nneka Achufusi
Founder
- CPACertified Public Accountant
- CISSPCertified Information Systems Security Professional
- CISACertified Information Systems Auditor
- MScInformation Security & AssuranceCarnegie Mellon University, Heinz College
Nneka brings over 20 years of experience across audit, financial risk, and information security, working with regulated financial institutions and enterprise organizations on controls assessments, compliance frameworks, and risk evaluation. Credeity applies the same analytical discipline — structured methodology, documented evidence, independent assessment — to healthcare credit underwriting.
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