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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.

118

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

97

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

96

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

95

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

94

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

93

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

89

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.”

88

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

87

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

86

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

84

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

84

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.

77

A startup that helps people manage their credit score

76

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.

76

 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.

74

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.

74

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.

73

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

71

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

68

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.

63

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

61

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

60

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.

59

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

57

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

56

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.

54

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.

53

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

51

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.

51

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

51

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

48

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.

46

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.

43

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.

40

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.

36

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

36

 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.

35

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

33

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

28

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

27

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

27

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

26

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.

25

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.

23

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.

19

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.

17

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.

14

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

14

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

13

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

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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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