That’s why we’ve created a suite of products that give consumers credit for timely payment of recurring obligations–things that might otherwise go unrecognized, like rent, student loans or monthly phones bills.

But a little credit can go a long long way. Because this acknowledgment can also be leveraged by companies to promote positive behaviors and actions by their own clientele. So, for example, landlords can get paid faster by their tenants. And this makes it win-win for all parties involved.