The CredScope credit reference service from the Ghanaian start-up Truuscore uses a person-centered algorithm to enable credit scoring for the financially-excluded populace. Its service is for those without a credit history – for example, recent graduates, expatriates, professionals from other countries or perhaps someone who has always rented their home, received benefits or just never borrowed money before. Truuscore is regulated by the UK Financial Conduct Authority and registered with the Information Commissioner’s office.


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Photo & video by Kim Mühl