Vantage Credit Score Assessment Tool
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Vantage Credit Score Assessment Tool

Inspired by a conversation on:

Ken McElroy Show

Ken McElroy Show

Jackson Hole BOMBSHELL! Here’s Everything You Missed

Host: Ken McElroy

Timestamp: 15:49 - 16:44

Listen to Episode • View Podcast • All Ideas from Ken McElroy Show

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Direct Quote

"He wants to create that Vantage score, which is a new type of credit score. It essentially looks at people paying rent, phone bills, utilities, not just credit cards and loan and debt."

Summary

This business idea focuses on developing an innovative tool that assesses creditworthiness using a new type of credit score called Vantage. Unlike traditional credit scores that primarily consider credit card and loan payment history, this tool would factor in timely payments of rent, phone bills, and utilities. This could help renters, especially first-time homebuyers, demonstrate their creditworthiness and increase their chances of securing a mortgage. The target audience includes individuals who have limited credit history or have been renters for a long time but are now looking to transition into homeownership. This tool could be implemented as a SaaS product, potentially integrating with existing financial platforms to provide users with a comprehensive view of their creditworthiness. Additionally, partnerships with financial institutions could enhance credibility and acceptance of the Vantage score by lenders.

Categorization

Business Model
SaaS
Target Founder
Technical
Difficulty
High
Time to Revenue
6-12 months
Initial Investment
$1,000-$10,000

Scores

Clarity
8/10
Novelty
9/10
Feasibility
5/10
Market Potential
9/10
Evidence
6/10
Overall
7/10
Found on August 26, 2025 • Analyzed on August 26, 2025 12:18 PM

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How should I validate this saas idea before building it?

2:34 PM

Great question! For a saas idea like this, I'd recommend starting with these validation steps:

  1. Customer interviews: Talk to Technical to understand their pain points
  2. MVP approach: Build a simple landing page to test demand
  3. Competitor analysis: Research existing solutions and identify gaps

Would you like me to help you create a specific validation plan for your high difficulty idea?

2:35 PM

Yes, and what about the technical implementation? Should I build this myself or hire a team?

2:36 PM

Based on your idea's complexity and 6-12 months, here's my recommendation:

Technical Strategy:

  • Start with no-code tools for rapid prototyping
  • Consider your technical background and available $1,000-$10,000
  • Plan for scalability from day one

I can help you create a detailed technical roadmap and resource allocation plan...

2:37 PM

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