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Business Buzz: Fixing a broken credit infrastructure
Posted
March 30, 2026
Views
184
Likes
6
Engagement
3.26%
March 30, 2026
184
6
3.26%
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7:12Now PlayingCurrently, 134 million Americans are locked out of fair credit access—49 million are entirely "invisible" to the system, while another 85 million are trapped by subprime scores.
Cedric Lipsey, Founder of the Denver-based fintech Clusivi, joined the program to detail how his firm is replacing the legacy FICO model.
The Problem: The current system measures past hardship, not present behavior.
The Solution: Clusivi evaluates real-time financial behavior, such as cash flow consistency and spending discipline.
The Result: This data-driven approach allows lenders to safely expand credit to the 62% of Americans living paycheck to paycheck, including many earning over $100,000 a year who are currently underserved by traditional scores.
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