NoHit: Approve Without Credit History
700+ alternative variables for intelligent and precise decisions
Access to credit without historical barriers. Decisions based on real behavior and high-precision alternative data.
FREQUENTLY ASKED QUESTIONS
NoHit are users without credit history in traditional databases (SICs). Includes youth, migrants, entrepreneurs and informal workers. They represent 700+ million people with real credit potential but no historical record.
We analyze 700+ alternative variables: digital behavior, transactions, social security data, work history, phone information, real estate data and spending patterns. AI identifies solvency patterns even without prior credit history.
Our clients report 20-30% increase in approvals in NoHit segments, with competitive default rates thanks to our AI models. Intelligent financial inclusion is profitable.
We comply with all data protection regulations (GDPR, LGPD, local regulations). Data is processed anonymized, encrypted and with maximum security standards in Cloud Native infrastructure.
Implementation typically takes 4-6 weeks depending on your infrastructure. We provide complete API documentation, testing sandbox, and dedicated technical support throughout the process.