Innovative Assessments uses psychometrics to help improve the way the world assesses consumer risk behaviors. IA’s flagship product is Worthy Credit – a brief 3-5 minute online survey for accurately and unbiasedly assessing creditworthiness. Worthy Credit measures a key set of personal competencies that are specifically related to the underlying psychology of consumer debt, and augments traditional credit scores.

Administered to either new applicants or current accounts, Worthy Credit scores are an added layer of analytics that can help lenders approve more loan applications and credit increases, reduce defaults and payment delinquencies, and more effectively service current accounts.