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Score Startup Ideas

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A company that uses AI to help people understand their credit score. It’s founded by a former VP of risk at FICO, and has raised $40 million.

126

A platform that allows people who have low credit scores to apply for microloans

105

A startup that wants to help people in Latin America track their expenses and grow their credit score The company’s founders say that after launching in early august, they’re already working with over 3,000 retail accounts

104

A chatbot that aims to help people better understand their credit score and make more informed decisions about credit.

103

This startup is building an online and mobile platform to help consumers research credit cards, loans, and credit scores.

102

A company that helps you create a credit score in a few minutes.

101

A startup that works with large finance companies to build a tool to help them understand their customers’ credit scores.

100

A credit score for websites, allowing users to get information on their creditworthiness without needing to apply for credit.

97

A tool for banks to vet potential borrowers based on their credit score, then offer guidance to help them get approved. “If you have a credit score, we can fix your credit score.”

94

The startup is building a way for people to keep track of their credit scores and other financials via the web or mobile.

93

A startup that helps you visualize your credit score and quickly access information on your credit report and credit score.

91

A startup that helps people manage their finances and credit scores. The company offers mobile credit monitoring and a personal finance management tool.

89

The company's app is designed to help consumers monitor the health of their finances, including credit scores, debt and income. The application, which is in beta, is available for Android and Apple iOS smartphones.

87

A startup that helps people manage their credit score

86

A peer-to-peer mortgage marketplace, where borrowers could get a credit score, FICO score, and a monthly payment quote by asking friends to lend money to them.

85

A startup that helps students decide what college to go to, by matching them with data on schools’ average SAT scores, average AP scores, average graduation rates, and more. The company uses algorithms to draw on this data to match applicants to schools.

85

A tool to help people understand their finances, in the form of an app that takes a person’s income and expenses and tells them how much to spend each month. The startup is also building a tool to help people understand their credit scores, and is working with several credit scoring agencies.

81

This startup wants to build a customizable, flexible, and affordable credit score.

78

A startup that helps people understand their credit score and how to use it to their advantage

77

 This startup uses AI to detect insurance fraud and fraudulently- or improperly-claimed benefits. It offers a risk score and recommendations that help agents and customers decide on policies.

77

A platform that analyzes credit card data to help you improve your credit score.

76

A chatbot that helps users find out their credit score and get to know their credit history.

73

A startup that helps small businesses market to homebuyers. Their product is a “premier content marketing platform” that utilizes detailed data about a dozen variables, including income, credit score, and the type of property they’re looking for.

70

This startup is building a credit scoring system that combines traditional FICO scores with an algorithm it’s using to predict the likelihood that a person will default on a credit card.

70

A consumer credit score for the US that scores potential customers on their creditworthiness.

67

A company that makes credit scores that are based on a person’s social media activity, rather than their credit history.

66

This startup is building a platform that connects landlord’s with tenants in need of a place to live and gives them a credit score. The startup’s founders say that there are already over $90 billion worth of real estate assets currently sitting idle.

64

A startup that uses its own technology to construct a new type of credit reporting agency, which will offer credit score and credit monitoring to people who do not have access to traditional credit reports.

63

A company that sells a credit score you can track with their app, allowing you to monitor your credit score and see how it changes over time.

62

A small loan marketplace that allows anyone to lend and borrow locally, in person, with no credit score required.

62

A startup that helps people check their credit score, see how it has changed, and find out new credit options.

62

 A startup that wants to replace the standard “credit score” with a better, more holistic one.

59

A platform that will allow users to access their credit scores and other financial information, whether or not they’re currently signed up with a bank.

57

A personal finance management app for managing credit scores, debt and budgeting.

54

A subscription-based service for managing your credit score. The startup is looking to partner with banks and credit card companies to make it easier to monitor your credit.

50

This is an app that aims to help people understand their credit score and how it can affect their future. “The app provides a user-friendly credit score calculator that is designed to give you a quick and easy understanding of your score. The calculator gives you a score based on your credit history and helps you understand how your credit score is calculated, how it will change, and what it means to you,” the company says.

50

A company that helps major brands like Target and Chipotle via a “three-second check-in” that lets customers add a fast, simple rating to a product to build a sentiment score for it.

49

 Founded in 2013, QuizUp is a trivia game where you compete against others for high scores. The startup has raised $1.5 million and is now making its way into Asia.

48

A startup that helps individuals quickly compare their credit score with other credit scores

46

A company that’s building a credit scoring system that predicts consumers’ creditworthiness, then helps them build a credit score.

46

A system that prevents people without credit scores from opening bank accounts, thereby eliminating the risk of fraud and identity theft.

43

A company that helps people figure out their credit score and offers a tool to help avoid debt and improve credit.

43

NzDrive is a software company that makes it easier for people to get their hands on a car, even if they don’t have a credit score or a down payment

40

A company creating a consumer credit score, charging a monthly fee to help you get a better credit score.

39

A startup that helps people with bad credit build credit, working with companies like Wells Fargo and American Express to help people build their credit scores.

38

A startup that helps you get a loan and pay it back in monthly installments using a credit score.

38

A startup looking to make it easier for companies to hire and fire employees. The system’s algorithms help companies find the best people, and eliminate the high-conflict humans in the process. The company also offers a “health score” for each job candidate. The company says they’ve operated in New York and LA and are now expanding to other parts of the country.

36

Blackbox is trying to tackle the problem of consumer credit scores, which are used to help determine creditworthiness, but are not very accurate. The startup is building a credit scoring tool that uses data from places like Facebook, Instagram, and Twitter to determine creditworthiness.

35

A startup that wants to build a social credit system in China. They say that if you’re the type of person who might not be able to get a loan in China — like someone living in a rural village — then your credit score will be pretty low. The startup wants to build an online platform to expand the reach of credit scores to everyone.

28

A startup that helps users find the best rates on credit cards, loans, and insurance. They also provide tools to help people understand their credit score, get a financial plan, and get access to the best rates. The company is currently having trouble funding their expansion, but they are continuing to get new customers.

24

 This startup is building a credit score for students, using big data to analyze their school and academic performance, and then applying that to a credit score.

23

A company that wants to create a “new and improved” credit score that takes into account a person’s income and employment history.

20

A startup that helps people learn about the credit cards they own, their credit scores, credit monitoring, and credit cards they’re considering.

19

A product that helps people better measure their credit score, with the goal of making credit accessible for everyone.

18

The startup is building a way for consumers to check their credit scores on their phones, so they can see what if they were to refinance a mortgage, apply for a credit card, or shop for a new loan.

17

A startup that wants to let users track their credit scores, health, and other financial data

17

A dating app for people with mental illness. The app asks you to rate your symptoms and asks you how you interact with people, giving you a score between 0 and 10 based on how likely you are to get into a fight or be abusive.

15

A startup that wants to help people check their credit score, which is sometimes hard to get because of privacy concerns. Its service offers the ability to report your financial well-being to the Federal Trade Commission in one step. The company is pitching it to companies like Capital One and Chase.

13

Zsolt is a Hungarian startup that’s building a way for people to manage their credit scores and scorecards from a mobile app.

12

A startup that is working to make it easier to create a credit score based on your spending habits rather than your financial history.

12

A software company with a suite of tools for managing your credit scores.

11

 A  company that  builds  a  personal  and  professional  portable  credit  score  for  people  who  have  an  unsecured  credit  card  (UCC)  and  don’t  have  the  equipment  to  install  a  credit  card  reader.  For  the  most  unsecured  credit  card  holders,  commonly  known  as  under-banked,  the  company  will  build  a  simple  and  secure  online  credit  application.

11

A new kind of debt consolidation loan where a new debtors’ attorney works with a debt consolidation loan company to reduce debt and improve credit scores.

10

This startup is trying to make it easier for people to get their hands on a credit score. They have a credit check API that pulls information from a source like Transunion, Experian, Equifax, and others.

10

This startup wants to make it easy for anyone with a bad credit score to get a loan. The company’s co-founder says that when running a small business, it’s likely that they know the person they’re dealing with personally. The company uses that advantage to provide a personalized loan experience.

8

A credit reporting platform designed to make it easier for borrowers to understand their credit scores and learn from their spending. It was built by a team of three grad students from MIT and TWC Labs, and was launched in July.

5

A startup that provides people with a list of their credit report and credit score for free

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A startup that will help people who are applying to college find the best fit by using a questionnaire, test scores, and personality assessments to evaluate colleges based on their interests

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Idea: A startup providing free credit scores to customers, funded by a paywall around their credit report They believe this will generate better engagement than the traditional credit monitoring model, which pays customers to read their credit report

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Idea: A startup that’s building a credit card for people with low credit scores, currently working with a data provider to build on top of their database of people who could qualify for the card. The company is looking to build a suite of financial products and services for the people who can’t access them.

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The startup wants to help people who have bad credit get a better score by helping them manage their finances and make more informed financial choices.

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Idea: A startup that helps people living in countries with low credit scores get loans. The company claims to have an 80% approval rate for people with FICO scores under 550.

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