[JetSpiegel]

> LendUp uses machine learning & data science

Stopped reading right there.

The landing page mentions "for people trying to build up credit history"

[austenallred]

You're assuming that the only type of data that exists is credit report data, which is wrong by several orders of magnitude.

[rickpmg]

Why would you stop reading? Credit scores are good, but not everyone (in the world) has them... cash economies, etc.

There was some startup that micro-loaned in poorer countries based on a person's cell phone info (ie, how many contacts, who they called the most, etc, etc).