[DarthMader]

Ironically, by doing a hard pull, you're hurting my credit slightly, which is against your stated mission.

Some of the appeal of the new FinTech startups are that they don't measure customers based off traditional models of risk eval (FICO, etc.) but that they are able to factor in both past and future based on many more data points. I'll keep monitoring Tally and hope in the future you can arrive to this same point.

BTW, I hope you look into marketing to credit card churners. I think they would love your product.