Innovative Assessments is the developer of Worthy Credit, a proprietary platform for accurately assessing creditworthiness based on a borrower's character. Worthy Credit measures a key set of personal competencies related to the underlying psychology of consumer debt in order to augment traditional credit scores. Worthy Credit uses psychometrics to provide an added layer of analytics that can help lenders approve more loan applications among the underbanked, reduce defaults and payment delinquencies, and serve their current accounts more personally.