goscore Information

At goscore, we're passionate about financial inclusion. We achieve this through cross-border credit scoring, fair risk profiles, and a portable financial history that moves from country to country with you. Goscore brings this transparency and fairness to the financial industry, giving customers great experiences and bringing a new golden standard of fair human credit scoring to the EU. Using Partners data and Open Banking data, and ML, we help credit providers to get more responsible borrowers while reducing risk at the same time. By analyzing the consumers’ financial behavior, we help creditors see not only “can” consumers repay a loan but “will” they do that. Unlike other credit reference agencies, who rely on outdated tax reports, we leverage up-to-date transactional data to build a real-time comprehensive financial profile. Working with goscore, you get not only fair credit scoring but also an analysis of customers’ financial behavior before getting the loan and after. With goscore, our clients improve abilities to: - manage risk and reduce default rate, - get more responsible customers, - meet strict government regulations, - build more profitable customer relationships, - optimize operations, - fight fraud. Like many Europeans, we've experienced that traditional credit scoring is unfair and doesn't consider you creditworthy, even if: - you are a successful entrepreneur, - a blogger with 1M subscribers, - decide to get your first loan, - moved from one country to another. Founded in 2019 in Norway, goscore works with banks and financial companies in Nordics and European markets to help millions of people improve their financial behavior and manage their credit health. We are backed by SR-Bank, Techstars, Innovation Norway, LHoFT, the Ministry of Economy (Luxembourg), Department for International Trade (UK), Mastercard Startup Academy. Goscore is authorized as a Credit Reference Agency by Datatilsynet in Norway.