Worthy.Credit

CHARACTER-BASED CREDIT SCORING FOR FINANCIAL INCLUSION.

Traditional credit scores are based almost entirely on historical financial data, and overlook a key factor of creditworthiness: personal character.

Personal character traits are critical for good borrowers’ behaviors, and look beyond financial situations to better assess a borrowers’ willingness to repay.

Worthy Credit is a very brief psychometric survey that measures such traits among new or prior loan applicants.

Worthy Credit provides additional positive data to help reapprove the many millions of otherwise declined underbanked and marginal loan applicants.

Good people should have access to affordable credit, and lenders should be able to identify good people.

Now they can.
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Fast & Easy

3-5 min. Immediate scoring Seamless APIs Positive feedback

 

Fair & Appropriate

No adverse impact No PIIs Non-invasive Finance related questions only

 

Reliable & Secure

Stable over time Faking resistant No 3rd party data Fully encrypted

 

Accurate

Predictive of loan defaults Augments traditional models Culturally adaptable Everyone is 100% scorable

 

Customizable

Scoring optimizations Multi-lingual White-labelled Custom questions

 
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Because Lending is Personal

  • 25 HaMered St., 17th Floor, Tel Aviv 6812508, Israel