HumTrust is Human Trusting Alternative Online Credit Score system based on endorsements by colleagues, friends, landlords or anyone we interact.
How HumTrust system works:
This is online user/person endorsement system(Tele system comes in 2nd phase)
This is also score based system from 300 to 850 points, based on lenders/banks standards
Every user with authenticate SSN, can register him/herself with at least minimum two valid references of anyone who know him/her by entering their email address.
System will contact those fellows, request them to endorse the user
This system has five endorsement categories a) Family & Friends b) Colleagues / Fellow workers c) Transactional group d) Knowledge base group e) Others
Endorsement system is key technical in this credit score system. System will ask some questions from endorser about the user depending what relation they have, like for colleague, it will ask work related questions