Innovative Assessments (IA) uses psychometrics to accurately and fairly assess creditworthiness, based on a borrower’s personal character. Worthy Credit by IA is a proprietary platform that measures key character traits that predict borrowers' willingness to repay their loans, and augments traditional credit scores as an added layer of analytics. Worthy Credit can help lenders approve more loans among the underbanked, reduce loan defaults and delinquencies, and more personally service existing accounts.