[funstuff007]

you've rediscovered the secret sauce to peer to peer credit models

https://www.turnkey-lender.com/blog/data-enrichment-is-the-s...

[egberts1]

Turnkey: “45 million Americans have no credit history.”

Almost entirely children.

There were 73 million children in the U.S. in 2019—22 percent of our nation's population.