Currently, there are 45 million Americans whose financial options are limited by little to none credit files, with a lack of “traditional” credit history with the three major credit bureaus. Recognized in the eyes of the law, alternative credit helps consumers who are stuck outside the system to build a credit history and to ensure that the underbanked population is given a fair opportunity when it comes to acquiring financial resources. IceKredit utilizes expensive non-traditional payment history data and machine-learning algorithms to create alternative credit scores, provide predictive analytics, and therefore aid clients in serving more consumers with more credit options while minimizing lending risks.