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Aire gives people a new credit score to help them qualify for essential financial products. Formed by a collective of finance, technology and commercial specialists, Aire is redefining how the market approaches credit scoring. By harnessing industry expertise, knowledge and an in-depth understanding of the issues facing many consumers, Aire has created a solution that allows businesses to access previously unknown markets using only clean data and ethical means. Aire was launched in 2014 and is headquartered in London. Credit scoring for consumers needs to be re-invented. Our fresh approach using data-driven algorithms will finally enable people to have the true credit scores they genuinely deserve. People with a 'thin-file' also deserve credit. Thin-file: This includes people that don't have much in the way of a financial history in their file. Some are young people like students, some are immigrants & expats, some are recent divorcees, and others are just people that never got into the pattern of using credit. Many people do not have a credit card, a mortgage, or a car loan. Those consumers do not create the trail of data that is entered into a credit scoring algorithm. As a result, the credit scoring bureaus cannot give a reading on their credit. Someone with a bad credit score is not a necessarily a bad person. We have to take a closer look at each individual and give them the score they genuinely deserve, even if they have a 'thin-file'.