XCredit careers

XCredit leverages existing peer-to-peer payment networks to create a new, real-time credit score that lenders can use to underwrite loans. XCredit's primary consumer is millions of college students who are familiar with peer-to-peer payment platforms and use these services for microloans between friends and family. With our app's proprietary algorithm, we can help students build a line of credit faster and more effectively than credit card companies. Using this score, our company can ascertain creditworthiness and provide loans or facilitate an agreement between lenders and users. We develop a more accessible score than FICO by focusing on young adults to seize market share.