And you have to wait for someone in the federal government to get the form, verify/approve it and notify you of the approval before you can even start? Man, the US government is screwed compared to private employers.
Factor Trust is an interesting take on alternative credit scoring.
At Trust Science we have built a SixScore that augments traditional credit scoring data with unstructured alternative data, and then we apply advanced AI and ML to make our models even smarter. We don't offer lending direct to consumers, but we do have a number of lenders using our product who want to confidently lend to thin/no-profile consumers (sub-prime).