Decoding Credit – Vol I: Credit and Beyond

When we started Athena Advisors, one thing became very clear to us very quickly: credit touches almost
every aspect of one’s financial life, yet very few people truly understand it. We would meet borrowers who
were confused about their credit reports, unsure of why their scores had dropped or unaware of how lenders
viewed their profiles. On the other side, we saw lenders dealing with challenges in assessing risk and
regulators constantly working to strengthen transparency in the system. Somewhere between these three
stakeholders – borrowers, lenders and regulators – there was a clear knowledge gap.

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