Comment by shopinterest

As you said there has been a few tries but usually tied to the lender. Lenders like 'Prosper' and others use other criteria to make the credit decision (social contacts, other bill payments, etc...) There are several FICO scores for many financial products (e.g. your car FICO score, credit card FICO score) and the main one. I guess one way to disrupt would be a way to collect the data not usually compiled (payment history for utilities bills, rent payments, micro loan payment, medical bills) However, in any case your customers are not the people, but the institutions who check for credit, so find a need where someone needs to make a credit decision but doesn't want to use existing credit reports and scores.