Our Services

A credit score is a range designed to represent the likelihood you will pay your bills on time, higher credit scores generally result in more favorable credit terms. Bullk designed a unique model to represent your credit risk.

Credit scores are calculated using the information in your credit reports, including your payment history, the amount of debt you owe, and the length of your credit history.

Higher scores mean you have demonstrated responsible credit behavior in the past, which may make potential lenders and creditors more confident when evaluating a credit request.

Credit scores are used by potential lenders and creditors, such as banks, credit card companies or car dealerships, as one factor when deciding whether to offer you credit, like a loan or a credit card.

With our scoring model, credit institutions will be able to get to know their clients better, and therefore, they will be able to offer products and other alternatives that are more accurate for them and their needs. Doing so will help them generate a healthier portfolio.

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How does it work?

BULLK’S scoring model creates a predictable behavior profile on the willingness and capacity of payment.
We take into account the following variables:

Socio-demographic Print:

Age, gender, geolocation, and marital status.

Credit History Print:

The amount of debt you owe, the length of your credit history, and your payment behaviour.

Transactional Print:

Daily operations from financial digital platforms.

Digital Print:

Behavior and insights in digital applications.

Providing consumers and businesses with a wide range of solutions!




Bullk Services: a new financial scoring model in Latin America

Bullk Services by Gumery, is an emerging firm, it has developed a predictive scoring model based on 4 axes that generates greater trust between financial institutions and their users.

Our clients:

Business partners and clients

Contact us!

Bullk Services by Gumery

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Dr Luis Bonavita #1294 Torre II, Oficina 440- WTC – Montevideo Uruguay
CP 11300