Startup gives expats and students a fairer credit rating

Startup gives expats and students a fairer credit rating

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Nearly 4.5 billion people don’t have a formal credit score, meaning they cannot access loans or credits cards. Often these are expats, migrants or students who simply have a thin file — which reflects badly in traditional credit scoring models. Now, Aire promises to calculate a fair credit score for these potential borrowers — based on self-submitted data rather than past repayment history — and enable them to gain access to important financial products.

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