SentiLink to Launch Repute Credit Agency for Alternative Finance

The Repute Score for Alternative Finance, set for general release on March 1, 2027, functions as a pre-screening tool. By integrating this score into their funnels, lenders can approve or decline leads at the outset, reserving expensive specialty bureau reports only for the uncertain middle segment of their applicant pool. Because the score is FCRA-actionable, lenders have the legal standing to take adverse action based on its findings alone.

Retrospective testing suggests substantial operational benefits. The model indicated that lenders could reduce bureau calls by decisioning on approximately 60% of leads at the Repute stage. Furthermore, the tool demonstrated higher predictive accuracy for nonpayment risk; bureau-approved leads flagged as highest-risk by Repute were nearly twice as likely to default compared to portfolio baselines. Conversely, leads rejected by traditional bureaus but identified as low-risk by Repute showed a 20% lower charge-off rate when funded by other entities.

Naftali Harris, CEO and co-founder of SentiLink, emphasized that the firm is introducing these new credit signals to modernize risk assessment in the alternative finance sector. The Repute system relies exclusively on inquiry and tradeline data furnished by participating lenders, operating independently from SentiLink’s existing fraud prevention products. Lenders interested in the platform may begin contributing data now to evaluate the score against their internal lead funnels ahead of the March launch.