Guppy is the next generation credit bureau. Through a secure, publicly accessible digital platform built on top of a Blockchain, data for credit decision making is easily uploaded, verified, offered and used. The existing credit bureau system is filled with erroneous data, lacks flexibility to add new data sources, and hamstrung by bureaucratic processes. By bringing cryptocurrency technologies to bureau infrastructure, Guppy addresses these pain points and opens up new revenue opportunities for all members of the ecosystem.