Worthiness

0 reviews

Worthiness is a credit score check and loan eligibility check platform for India's loan DSAs, dealers, brokers and small lenders. A verified business asks its customer for consent by SMS, then requests that customer's credit report from India's top three credit bureaus in one consented request. Worthiness merges the bureaus into one readable report with the credit scores, active loans, EMIs, repayment history and a list of every lender that has already enquired on the file. It then evaluates the report against the lenders, loan products and rules the business has set up, and returns a verdict for each product with the reason behind it. A library of 22 researched loan products can be imported and edited. The report also flags lead signals such as top-up and balance-transfer candidates. Consent is captured by a six-digit code and kept on a register for at least seven years. Customer data is never sold or shared and is encrypted in transit and at rest. Pricing is pay per check from a prepaid wallet, with no subscription.