Credit scoring to see "Invisible Prime" consumers.

1. Find borrowers who are wrongly scored--or who can't be scored at all--by the big/old, conventional players like FICO and Vantage. Lenders boost their EBITDA & ROA with less risk.
2. Extremely high ROI for lenders who execute lead sourcing with a credit risk lens (e.g. pre-quals, pre-approvals, direct mail) commercialization.

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