Deserve opens the US financial system to deserving but underserved populations using alternative metrics and data. In 2016, we’re connecting international students with fair credit before expanding into other products and populations. We’re on a mission to help these deserving, but underserved women and men access proper US credit and establish their credit history while they study. The first step is to offer credit cards to international students through a special approval process that goes beyond standard credit scoring. Deserve determines international students’ creditworthiness using alternative data like ability to repay and predictive attributes such as education, major, cost of education, source of initial funding, and future employability. Our compliance framework has been developed in kind to meet the most stringent requirements set forth by the law, using enhanced identity verification and consistent lending practices to ensure the utmost safety and legitimacy. Though our practice is sophisticated, our borrowers’ experience is simple and frictionless. The entire process, from sign up through approval to account management, is optimized for any mobile device.
CelticBank; TCI Solutions