ClearScore

So if I said to my, like...

I, I remember one time, I was staying at my dad's, um, and remember all, those, like, you know, I think it's like ClearScore and all these apps that you get where you get the, the debt-

Yeah

... calculator on your personal name.

So it's easy to access that score, but certainly you've got those companies and then you also have the aggregators.

I think somebody like a ClearScore, for example, they're an aggregator of all of the credit bureau information and absolutely the model is that they are able to give data lists as to who's a good you know a good client to lend money to so and i have written about this before where i said i feel like credit scores have become a way to encourage people to take out credit rather than just having healthy financial habits.

What

other than missing credit card payments, store loans, what other loans, car vehicle repayments, that's all the big consumer credit.