Hi, this is Alex on M from Shadadjali.com that podcast and we are currently sponsored by

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specific account eligibility apply. Some mental services may encourage charge, some services are

only available to NetWest customers. You've taken me back to the farm and dad and advocating

for knowing what you're ingesting and being able to certify that what you say is there is there

or what you say isn't there isn't right. Prove it, prove it, prove it, prove it. Data science has

advanced far enough that there are really reliable platinum grade ways to make some of these assessments

of models or scorecards if you will. I have worked in consumer lending for 21 years. I work in

FinTech now, check out ConfirmU at our Gamie Fight Psychometric scores in episode 24 of the show.

But before that I spent a good decade working with the credit bureaus in Copenhagen and Hong Kong

and Leeds, but as it turns out, those may have just been credit bureaus version 1.0. Welcome

to Heart of Lin Manitus Strangers with Brendan the Grange.

Evan Crapco, welcome to Heart of Lin Manitus Strangers. It's an absolute honor to have you on.

You're the founder and CEO of Trust Science and evolution of the traditional credit bureau

that seems to have a particular focus on identifying the invisible prime, those

low-risk borrowers who simply lack the data to make them obvious to traditional models. As someone

...