Startup RevolutionCredit aims to use tests tied to educational courses to determine if borrowers are more qualified than their credit scores might suggest, and then feed that data to financial institutions to offer more nuanced portraits of borrowers, American Banker reports.

In pilot programs, lenders have reported lower delinquency rates and higher customer retention for borrowers who complete RevolutionCredit’s course, according to the trade publication.

“When a thin-file consumer goes to a lender officer, he’s considered risky,” founder Zaydoon Munir told American Banker. “We are changing credit decisioning.”

Source: American Banker

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