Character: The missing data

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

Personal character is a critical factor for good borrowers’ behaviors, and can look beyond financial situations to better assess a borrowers’ ability and willingness to repay.

Because traditional credit scores rely on historical data, many millions of underbanked consumers are assumed to be high credit risks, and are either charged exorbitant rates or are denied credit altogether. But among them are lots of responsible, trustworthy, and potentially valuable customers who are being passed up.

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

Now they can. Introducing “Worthy Credit”.

Worthy Credit™

Worthy Credit is a dynamic online questionnaire that is designed to predict loan defaults and payment delinquencies, above and beyond traditional models. 

It uses patent pending technology and cutting-edge psychometrics to provide a new type of credit score that is based on a key set of personal attitudes and traits, related specifically to the “psychology of debt”.

Worthy Credit adds to a lenders current credit models, it does not replace them.

Administered to either new applicants or existing borrowers, Worthy Credit acts as an added layer of analytics that can help lenders:

  • Approve more loan applications and credit increases
  • Reduce loan defaults and payment delinquencies
  • Proactively service current accounts

Fast & Easy

  • 3-5 min
  • Immediately reported
  • Seamless APIs
  • Positive applicant feedback

Fair & Appropriate

  • No adverse impact
  • No personal identifiers (PIIs)
  • Non-invasive
  • Domain specific questions


  • Stable scores over time
  • Faking prevention and detection
  • Non-reliant upon on 3rd party data
  • Encrypted data


  • Predictive of loan performance
  • Augments traditional credit models
  • Culturally adaptable
  • Everyone is 100% scorable


  • Scoring optimizations
  • Multi-lingual
  • Branding
  • Custom questions

The Results

We’ve seen excellent empirical results from Worthy Credit!

Proven in many culturally diverse samples around the world, Worthy Credit has consistently been found to be predictive of loan defaults and delinquencies, while providing incremental lift to traditional credit scores.

Countries successfully proven
Application scored
Completion rates
Lower delinquencies among high scorers
1/3 - 1/5
Increased loan approval rates
Adverse impact


Contact us for a demo

We would love to hear from you!
Send us a message through this form and a representative will contact you as soon as possible.

Tel: +1-516-514-3589