Company profile
Clusivi
Disrupting FICO and democratizing access to credit.
- Industry
- Consumer Services
- Employees
- 7
- Headquarters
- Denver, Colorado
- Founded
- 2022
- LinkedIn followers
- 295
- Office locations
- 1
Clusivi company summary
Clusivi is a company in the Consumer Services industry, headquartered in Denver, Colorado, founded in 2022. On LinkedIn the company has around 7 employees and 295 followers.
What technology does Clusivi use?
No technologies detected yet. Warmrank rechecks company websites on a rolling basis.
About Clusivi
Clusivi is a FinTech startup redefining what it means to be creditworthy. Founded by Cedric Lipsey, Clusivi exists to replace the outdated and exclusionary FICO credit scoring system with a smarter, more inclusive alternative. For nearly 70 years, FICO has locked millions out of opportunity—especially those from underserved and underresourced communities. At Clusivi, we believe it's time for a change. Our platform, Plan-to-Pay, empowers individuals to prepay for high-value purchases in structured installments—no interest, no debt. As users demonstrate consistency, delayed gratification, and purpose-driven planning, they unlock access to affordable credit based solely on real-time financial behavior—not past mistakes or traditional scores. For banks and credit unions, Clusivi offers a standardized, low-risk way to expand lending, grow deposits, and meet Community Reinvestment Act (CRA) goals. For individuals, Clusivi is a bridge to dignity, ownership, and full participation in the economy. We’re not just disrupting FICO. We’re building a new system rooted in fairness, transparency, and inclusion. Clusivi: Redefining Creditworthiness for All.
Where is Clusivi located?
Clusivi lists 1 location.
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Frequently asked questions about Clusivi
What does Clusivi do?
Clusivi is a FinTech startup redefining what it means to be creditworthy. Founded by Cedric Lipsey, Clusivi exists to replace the outdated and exclusionary FICO credit scoring system with a smarter, more inclusive alternative. For nearly 70 years, FICO has locked millions out of opportunity—especially those from underserved and underresourced communities. At Clusivi, we believe it's time for a change. Our platform, Plan-to-Pay, empowers individuals to prepay for high-value purchases in structured installments—no interest, no debt. As users demonstrate consistency, delayed gratification, and purpose-driven planning, they unlock access to affordable credit based solely on real-time financial behavior—not past mistakes or traditional scores. For banks and credit unions, Clusivi offers a standardized, low-risk way to expand lending, grow deposits, and meet Community Reinvestment Act (CRA) goals. For individuals, Clusivi is a bridge to dignity, ownership, and full participation in the economy. We’re not just disrupting FICO. We’re building a new system rooted in fairness, transparency, and inclusion. Clusivi: Redefining Creditworthiness for All.
How many employees does Clusivi have?
Clusivi has around 7 employees on LinkedIn.
Where is Clusivi headquartered?
Clusivi is headquartered in Denver, Colorado.
When was Clusivi founded?
Clusivi was founded in 2022.
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