Fairer credit rating via social network testimonials

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We’ve seen several startups democratize the age-old credit rating system by looking to alternative information, such as phone bill history and user-submitted data. Happy Mango is joining the movement by providing transparent, non-FICO credit scores that benefit users and lenders. Happy Mango analyzes personal data such as education, bank statements and employment history to score a user’s trustworthiness out of 100 — ten percent of that score comes from a ‘Trust Bank’ of testimonials from the user’s social network. The startup also provides feedback infographics, showing users how their credit suitability was calculated and ways to improve their financial situation.…

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