By Larry Chiang
There are two sides to the lender borrower equation. The lender. And the borrower.
UCMS plays on both sides of the fence. On the lender side, we do “Thin File Analysis” and ‘debit reporting analysis’. Both have been covered in depth, along with derivations and documentations of prior art. All of it is open source.
On the consumer side, this was our first effort:
UCMS Transaction Recorder
On the consumer side, UCMS has a larger effort and significant distribution via Duck9
Duck9 is Deep Underground Capital Knowledge
The practice of augmenting FICO credit scores of 18-24 year olds is what duck9 executes. Consumers are mentored to execute subroutines. These subroutines help consumers reach a FICO as high as 805 during college. Duck9 is where students hack a higher FICO score.
So who wins in the battle of lenders seeking to underwrite loans and minimize credit risk to their portfolio, versus consumers looking to tip the balance in THEIR favor!? We do. You can us.
Look, if a consumer is willing to read a computer algorithm called “#PObox105281”, they probably have a job. And care about their credit. And they can pass a marshmallow test*. Plus, have you ever tried to read computer code, computer subroutines and decipher hashtagged blog posts. Yup, that is what consumers do and self study at Duck9. You’re welcome for keeping your charge-off rate on your portfolio below 8%.
