goscore

goscore.me

At Goscore, we're passionate about financial inclusion. We achieve this through cross-border credit scoring, fair risk profiles, and a portable financial history that moves from country to country with you. Historically, people have been excluded from financial services because of, let's say, poverty. While you don’t have a proper risk profile, you fall prey to payday lenders. Now you are trapped. Others have chosen to exclude themselves from traditional financial services. They make lifestyle decisions to become nomadic in the way they live, work, and earn money. The challenge that entrepreneurs and nomads have is that they can't get an affordable rental apartment, or a mobile phone, or a credit card in their new home. For people with both these profiles, either their credit history is not portable or a standard risk profile simply doesn't suit them. So at Goscore, we built a cross-border credit scoring solution that is fair and human-centric. We bring your financial history with you wherever you go. Goscore also enables lenders to accurately assess your creditworthiness based on up-to-date information from various data sources. Goscore brings your credit history to you, without borders. So, whoever was previously excluded, is now included. Using machine learning, our solution leverages up-to-date transactional data and derives relevant financial insights to build real-time comprehensive financial profiles. In turn, these profiles enable our customers to make sustainable lending decisions. Our technology recently helped a lender to increase creditworthy borrowers by 21% and reduce default rates by 32%. We are an authorized credit scoring company in Norway.

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