Okay, so the purpose of the credit score is to give lenders something upon which to frame a quick decision: Should I loan to you or not?

But not everybody has a credit score.

Those without one are called the "credit invisible" consumer market. But 99% of people pay a phone bill.

In this episode, I interview Steve Ely, CEO at eCredable, about using alternative data to help the 46 million credit invisible market build credit.