AltFiScore is an AI-powered alternative scoring model designed to evaluate underbanked consumers using real-time financial behavior — not outdated tradelines.
45 million Americans are credit invisible. Traditional FICO scoring ignores them entirely because they lack tradeline history. AltFiScore reads the financial signals that already exist — bank behavior, income patterns, rent payments, employment records — and converts them into a defensible, auditable credit score.
Each data connector is certified, encrypted, and permissible under FCRA. The engine weights each source dynamically based on data availability and recency — a missing source doesn't break the score, it adjusts confidence.
| FEATURE | ALTFISCORE™ | TRADITIONAL BUREAU |
|---|---|---|
| Score basis | ✓ Real-time behavioral data | Historical tradelines only |
| Thin-file consumers | ✓ Fully scoreable | No score returned |
| Score freshness | ✓ Updated on each API call | Monthly batch updates |
| Data sources | ✓ 5 alternative streams | 1 bureau tradeline |
| Adverse action | ✓ AI-generated ECOA codes | Generic reason codes |
| API response | ✓ < 2 seconds | Batch / overnight |
Behavioral data predicts defaults more accurately than static tradelines. Real cash flow patterns expose financial stress before it becomes a missed payment.
Stop turning away qualified borrowers who lack bureau history. AltFiScore opens your funnel to 45M+ credit-invisible consumers who can repay.
Sub-2-second API response. Integrate directly into your LOS. No batch cycles, no overnight delays. Score at the moment of application.
Every decision produces ECOA-compliant adverse action codes. Every score is explainable, traceable, and defensible to regulators.
REST API with JWT auth. SDKs for Python and JavaScript. Full OpenAPI docs. Sandbox environment for testing. Webhooks for async score delivery.
import altfiscore
client = altfiscore.Client(
api_key="altfi_live_xxxxxxxxxxxx"
)
# Score a consumer
score = client.score(
application_id="app_abc123",
sources=["plaid", "argyle", "attom"]
)
print(score.score_300_1000) # 764
print(score.score_tier) # "good"
print(score.confidence.label) # "medium"
print(score.reason_codes) # ECOA codesJoin lenders using AltFiScore to unlock a new pool of qualified borrowers — the ones traditional bureaus can't see.