Rent counts. So does employment. So does saving.
AltFiScore underwrites credit card applications using rent reporting, verified income, and cash flow data — not just bureau history. Approve qualified applicants and set credit limits that grow with consumer health.
POST /v1/decisions/credit-card
Outcome
Approved
Score
748
Grade
B
Credit limit
17.5% APR · revolving
$5,000
No annual fee · 2% cash back
Alt-data signals
✓ RentTrack: 24 months on-time rent ($1,850/mo)
✓ Plaid: $3,200 stable monthly net cash flow
✓ Argyle: $58K verified income, 18mo employer
Credit cards perpetuate the credit-invisible problem they're meant to solve.
A consumer needs credit history to get a card, but needs a card to build credit history. Result: 70M+ Americans stuck in the underbanked bucket, while issuers compete for the same 150M scored prime customers. Rent payments, verified income, and savings discipline — the data that actually predicts card repayment — never enter the underwriting model.
$1,850/mo
Average rent payment by underbanked credit-card applicants — 24 months on time, never reported to any bureau, never counted in any decision.
Rent reporting + verified income + cash flow = full underwriting picture.
AltFiScore integrates RentTrack, Plaid, and Argyle to score credit card applicants on the signals that actually predict revolving-credit performance: rent reliability, income stability, and net cash flow. Dynamic credit limits adjust as consumer health grows — automatically.
On-time rent payments
24 months of $1,500–$2,500 on-time rent payments is the closest credit-invisible analog to a mortgage history. Outperforms FICO for credit card repayment for borrowers under 30.
Income stability
Verified income from payroll provider, not self-reported. Credit limits sized to actual repayment capacity, not application math.
Net monthly cash flow
90-day analysis of money in vs. money out. Identifies applicants with $500–$3,000/mo discretionary cash flow available for revolving payments.
Existing card utilization
Real-time across all linked accounts. More accurate than bureau-reported utilization which can be 30-60 days stale.
MLA compliance check
Automatic Military Lending Act 36% MAPR detection for active-duty service members + dependents. APR capped or product denied automatically.
Limit recommendation engine
Suggested credit limit based on income + rent + cash flow, capped at issuer's policy max. Grows automatically as consumer demonstrates on-time payments.
Rate bands and policy thresholds
Configurable rate bands per tenant. Federal compliance caps applied automatically. All policy decisions are versioned, reproducible, and audit-logged.
| Grade | Score range | APR |
|---|---|---|
| A+ | 880–1000 | 5.0% |
| A | 820–879 | 10.5% |
| B | 740–819 | 17.5% |
| C | 660–739 | 21.0% |
| D | 300–659 | 24.0% |
Federal compliance caps
- MLA 36% MAPR cap (military lending) enforced automatically
- CARD Act compliance: 21+ years OR proof of independent income
- Reg Z Schumer Box generated for every approval
- Penalty APR ≤ 29.99% per CARD Act
One endpoint. JSON in, JSON out.
Idempotent. Versioned. TILA disclosures and FCRA codes built in. Sandbox tenant for testing, production tenant when you're ready.
- 1Sign up for a sandbox tenant
- 2POST to /v1/decisions/credit-card with consumer + card product
- 3AltFiScore pulls RentTrack + Plaid + Argyle data as configured
- 4Receive approval with limit recommendation + Schumer Box
- 5Trigger card production using your existing card-issuance partner
POST /v1/decisions/credit-card
curl -X POST 'https://api.altfiscore.com/v1/decisions/credit-card' \
-H 'Authorization: Bearer altfi_live_YOUR_KEY' \
-H 'Content-Type: application/json' \
-d '{
"consumer": { /* PII */ },
"product": {
"card_product_id": "cash_back_2pct",
"requested_limit": 5000
}
}'← Response · 200 OK
{
"decision_id": "fa72...",
"status": "complete",
"outcome": "approved",
"score_at_decision": 748,
"risk_grade": "B",
"approved_limit": "5000.00",
"recommended_apr": "17.5",
"card_product_id": "cash_back_2pct",
"mla_protected": false,
"schumer_box": {
"purchase_apr": "17.5%",
"balance_transfer_apr": "17.5%",
"cash_advance_apr": "24.99%",
"annual_fee": "$0",
"late_payment_fee": "up to $40"
},
"evaluation_details": {
"credit_limit_drivers": {
"renttrack_24mo_ontime": "+$1500",
"argyle_income_stability": "+$1000",
"plaid_low_debt": "+$500",
"base_limit": "$2000"
}
}
}Built for compliance teams.
Every decision is versioned, reproducible, and audit-logged. Adverse action codes follow ECOA Regulation B. Disclosures meet TILA Reg Z.
CARD Act
21+ year age requirement enforced unless independent income verified via Argyle. Penalty APR caps applied automatically.
Reg Z (TILA)
Schumer Box (purchase APR, balance transfer APR, cash advance APR, annual fee, penalty fees) generated for every approval.
Reg B (ECOA)
FCRA-compliant adverse action codes returned in every declined or referred decision. Age, marital status, and similar protected factors strictly excluded from scoring.
MLA
Military Lending Act 36% MAPR cap detected and applied automatically for active-duty service members and dependents.
FCRA
AltFiScore reports are not consumer credit reports under FCRA. Codes returned for downstream FCRA-compliant notice generation.
Reg E
Pre-authorized electronic transfer disclosures for autopay enrollment.
Approve credit cards on the data that actually predicts repayment.
Test sandbox applicants with RentTrack + Plaid + Argyle profiles. See exactly which alt-data signals turn declines into approvals.