At January, we bring humanity to consumer finance. Using data intelligence, we create trust and deliver better outcomes for consumers and creditors alike. Our mission is simple: expand access to credit while empowering consumers to achieve lasting stability and control of their financial lives.

We began by building the foundation for creditors to engage with and support their borrowers at scale across the entire debt lifecycle. We’ve mastered outsourced collections by combining best-in-class performance with differentiated consumer satisfaction and superior compliance. 

And we’re just getting started. Together, we’re creating a financial system where trust and opportunity spark lasting change in people’s lives.