COMMUNITY FINANCE CREDIT REPORTING
Giving Credit Report
Community finance is the oldest form of banking.
Until now, it has been hidden from the mainstream credit market.
Giving Credit Report
The Giving Credit Report leverages community knowledge and social underwriting, so financial and lending decisions can be based on character. The report compiles community finance transactions, which include lending, borrowing, and resource pooling between friends, family, neighbors, co-workers, and companies within trusted social networks.
Elevates character over wealth or race.
Reflects a person's character and how the community perceives them.
Is simple to understand. You can have a “good” or “bad” score.
Gives consumers complete control over who can see the report, and they know exactly what goes into the report.
COMMUNITY FINANCE DATA
What is community finance?
Community finance is lending, borrowing, and resource pooling between friends, family, neighbors, co-workers, and companies within trusted social networks.
Peer-to-peer loans
Savings and lending circles
Rent payments to roommate, rent-to-own, down payment assistance, etc.
Bartering or exchanging services
Small business loans from family and friends
Character and relationship-based loans from banks, credit unions, and CDFIs
It is mutual aid, and it is real finance. Financial and lending decisions are based on character, not wealth or race. It is the oldest form of banking, yet it is hidden from the mainstream credit market. We can change that, together.
HOW WE PARTNER
REPORT DATA
Do you have access to community finance data for your clients or customers? Do you make character-based loans? Do you lend but choose not to report to the mainstream credit bureaus?
If so, you can partner with us to report community finance activities and help build community credit reports for your members and clients.
We offer revenue sharing of revenue generated from credit reportpulls for users you report data on. It is a win-win. Help yourclients build credit and earn revenue!
UNDERWRITING DATA
Financial institutions struggle to serve low-income individuals because they are missing critical credit data. Community finance data can help you better assess the credit risk of consumers and help provide high-quality, low-cost financial products to meet their financial needs. Access the community credit reports of your clients and members.
