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In this episode of Money Creation Explained, we are going to cover An Alternative to the Traditional Credit Score (the IOU Credit Score).

The current system of credit cards works in the following manner. In the case of applying for a credit card with a Financial Institution, users provide their personal information and that institution runs their credit score and then decides if that user gets approved, their credit limit and also their interest rate. Users can then purchase products and services from any business that accepts that credit card and have 30 days to pay off the balance to the credit card company before the interest starts on unpaid balances.

The IOU Notes platform has its own IOU Credit Score that users can utilize to evaluate others credit and loan worthiness and determine with whom they wish to conduct transactions. This IOU Credit Score is independent of the traditional credit score used in the financial industry. Every user has the opportunity to start from fresh and establish their IOU Credit Score. Their traditional credit score will not factor in at all and users judge other users on the IOU Notes platform based on their IOU Notes performance and not their traditional credit performance.

IOU Notes is a peer-to-peer credit and loan platform.

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