Judge borrowers fairly
Test more ways to show a borrower can repay. Give clear reasons for a no. Fix errors in credit files.
Our argument
A short credit file should not end the search for a fair loan. People need ways to show they can pay, and a clear way to fix errors. New tests must also protect their privacy.
What must change
Test more ways to show a borrower can repay. Give clear reasons for a no. Fix errors in credit files.
What a win looks like
Clear reasons for refusals, prompt fixes and fair tests that still measure risk.
Public cost
We have not yet priced this ask for the public purse. Any public aid must be priced before we seek funds for it.
The evidence
This case is a proposal. We have not yet published a measured claim for it. The research we still need is set out below.
Studies and notes
No case study is published here yet. This is the next question to check.
What we need to check
Test other proof of repayment ability against real loan outcomes. Check whether errors and appeals are handled fairly.
Updates
— Case opened with our argument, our ask and the facts still to check.
Back this front: Banks & loans
This button backs the whole front shown below. It does not turn on emails.
Support totals are not available right now.
Each email counts once per cause. This does not sign a petition. Your name and email stay private. Only the total is public.