Upstart is an AI lending platform that uses machine learning to evaluate non-traditional credit data, improving access to credit while reducing bias and default rates.
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About Upstart
Upstart is an AI lending platform that partners with banks and credit unions to improve access to affordable credit. The platform uses machine learning models that consider over 1,600 variables beyond traditional FICO scores to assess creditworthiness.
By evaluating factors like education, employment history, and financial behavior, Upstart enables lenders to approve more borrowers while maintaining low default rates. The platform automates the lending process from application through funding.
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