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Probably a silly question, but how do you intend to monetize this? Getting people out of debt is a great goal, but that means it's going to be pretty hard to charge them for the use of your tools (it would defeat the purpose).

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we've explored a variety of options but we would ultimately like to empower consumers to prove their creditworthiness in order to access better financial products, credit information and reporting is one avenue we are particularly excited about in terms of monetization.

So many banks gouge people that I'm sure you'll find plenty of room for improvement and opportunity with the ones ready to access your client base with more reasonable terms. Best of luck!

maybe you can help them save/invest money once they're out of debt.

oh wait, sounds like future advisor ;)

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