16/10/2025
Let that sink in.
The act of trying to get others to understand your financial health... damages your financial health.
This is the system we use to decide who gets housing.
๐๐๐ซ๐'๐ฌ ๐ญ๐ก๐ ๐๐ข๐ญ ๐ญ๐ก๐๐ญ ๐ ๐จ๐ญ ๐ฆ๐:
We built credit scores in the 1920s to predict loan default risk.
Then we just... started using them for everything else.
It's like using your driving test score to predict if you'd be a good pilot.
Related? Perhaps. Actually predictive? Not really.
At Husmus, we look at what actually matters:
โณ Do you pay your current rent on time?
โณ Is your income stable relative to the rent?
โณ What's your spending pattern like?
Turns out when you look at the right data, a lot of "high risk" people are actually the most reliable.
โ
The freelancer with perfect rent history? Low risk.
โ
The immigrant with ยฃ20k savings? Low risk.
โ
The person rebuilding after divorce with stable income? Low risk.
We're not being "generous." We're being accurate.
๐๐ก๐๐ญ ๐๐ข๐ง๐๐ง๐๐ข๐๐ฅ ๐ฆ๐๐ญ๐ซ๐ข๐ ๐๐จ ๐ฒ๐จ๐ฎ ๐ญ๐ก๐ข๐ง๐ค ๐ข๐ฌ ๐๐จ๐ฆ๐ฉ๐ฅ๐๐ญ๐๐ฅ๐ฒ ๐จ๐ฎ๐ญ๐๐๐ญ๐๐?
