Commercial Data Exchange, Simplified
PDX provides a set of services designed to make credit data sharing simpler, more consistent, and more cost-effective for lenders and Credit Reference Agencies.
PDX focuses on lending performance data, providing a secure, neutral exchange that reduces duplication and operational friction across the market.
Our Core Services
PDX supports the full lifecycle of data exchange from submission through to delivery.
At a high level:
PDX has been built to meet the expectations of lenders, CRAs, and regulators.
- Lenders submit data once through a secure connection
- PDX validates and standardises the data
- Files are distributed to all participating CRAs
- Data quality, auditability, and traceability are maintained throughout
Each service is designed to operate independently, while working together as part of a single, consistent exchange.
Regulatory Context
PDX has been developed in response to increasing government and regulatory focus on data consistency and transparency across the credit market.
These initiatives encourage lenders to provide performance data to multiple Credit Reference Agencies in a standard, auditable way, supporting competition, fair pricing, and better outcomes for businesses.
PDX provides the infrastructure to support this approach in a practical and scalable manner.
Access the platform
Participants can access the PDX platform at any time via the User Login.
For lenders exploring participation, we offer briefings to explain how PDX integrates with existing systems and operational workflows.
Data
Clearing & Distribution
PDX acts as a central clearing hub for lending data.
Instead of managing multiple integrations and file specifications, lenders connect once to PDX. PDX then handles validation, standardisation, and secure delivery to each participating CRA.
This significantly reduces:
- Operational overhead
- Integration and onboarding costs
- Ongoing compliance effort
Data
Validation & Quality
Assurance
Data quality is enforced before information reaches the bureaus.
PDX applies automated validation and consistency checks to ensure:
- Files meet agreed standards
- Data is internally consistent
- Issues are identified early, not downstream
Amendments
& Query
Handling
PDX is developing a centralised approach to handling data amendments and queries across CRAs.
The objective is simple:
- A lender addresses a data query once
- Any agreed amendment is distributed consistently to all participating CRAs
This capability will be developed in collaboration with lenders and CRAs to ensure it aligns
with existing operational processes and market expectations.
Lenders interested in contributing to the design of this service are encouraged to get in touch.