Alternative Credit Scoring
Thin-file scoring on utility, rent, payroll and behavioral signal.
§ 01Summary
Machine-learning alternative to FICO for thin-file applicants. Ingests non-traditional data (utility, rent, payroll), fuses behavioral scoring signals and produces a score with explainable reason codes and auto-generated adverse-action language — enabling financial inclusion without a black-box substitute.
§ 02Capabilities
What it does out of the box.
- Alternative credit scoring (thin-file)
- Non-traditional data integration (utility, rent, payroll)
- Behavioral scoring models
- Machine-learning alternative to FICO
- Financial inclusion enablement
§ 03I / O Contract
What you send, what you get back.
Field-level schemas and versioning available under NDA.
Inputs
- Utility / rent payment history
- Payroll + employer tenure
- Bank cash-flow (12m)
- Optional: bureau file if available
Outputs
- alt_score (300–850)
- band (A–E)
- reason_codes[] (top 4)
- adverse_action_text (auto-generated)
// SAMPLE REQUEST
{
"applicant_id": "a_...",
"signals": [
"cashflow_12m",
"utility_ontime_24m",
"payroll_verified"
],
"bureau_available": false
}// SAMPLE RESPONSE
{
"alt_score": 712,
"band": "B",
"reason_codes": [
"consistent_deposits_24m",
"utility_no_late_24m",
"employer_tenure_gt_2y",
"no_overdraft_90d"
],
"adverse_action_text": null
}§ 04Use Cases
Where partners are deploying it.
- Alternative + prime consumer lenders
- Employer-sponsored credit products
- Rent-to-own and BNPL originators
// WHEN YOU'RE READY
Single-adapter licence unlocks Alternative Credit Scoring for one product. Vertical bundles and full-portfolio access are documented on the Partners page.