Proof of Usefulness Report

Credible

Analysis completed on 1/18/2026

+656
Proof of Usefulness Score
Category Standard

Credible is a verified, large-scale fintech marketplace with over 20 million users and significant revenue (~$36M+), positioning it well above the average calibration point. However, the submission itself was of extremely poor quality, containing hyperbolic claims ('most people have used my product', 'everyone') and lacking specific evidence. The score reflects the massive real-world utility and traction of the business, heavily penalized by the low Quality Factors (0.5) applied to Reach, Traction, and Response Quality due to the lazy submission effort.

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Score Breakdown

Real World Utility+90
Audience Reach Impact+45
Technical Innovation+75
Evidence Of Traction+47
Market Timing Relevance+80
Functional Completeness+10
Subtotal+631
Usefulness Multiplierx1.04
Final Score+656

Project Details

Project URL
credible.com
Description
We are a marketplace where users can compare personalized, prequalified rates and quotes from multiple lenders and carriers, for student loans, mortgages, personal loans and insurance. \n\nWe’re challenging the status quo by giving power to the consumer. We believe in a world where ‘ethical’, ‘lending’, and ‘insurance’ can coexist, so we set out to build innovative platforms that actually work for customers. Our mission is to help people find the best loan or insurance policy possible. \n\nWe believe researching and buying loans or insurance shouldn’t be confusing or complex, so we’ve focused on simplicity. We’ve created the only unbiased loan and insurance buying process out there, which makes finding options straightforward and clear. \n\nInsurance-related services are provided through Young Alfred Inc. (CA: Young Alfred Insurance Agency, Lic. # 0M90597). All loan and mortgage-related services are provided through Credible Operations, Inc., NMLS # 1681276. www.nmlsconsumeraccess.org. Not available in all states.
Audience Reach
everyone
Target Users
everyone
Technologies
Energy Solutions, Banking, Risk Management
Traction Evidence
most people have used my product

Algorithm Insights

Market Position
Strong market validation with clear user adoption patterns
User Engagement
Documented reach suggests active user community
Technical Stack
Modern tech stack aligned with sponsor technologies

Recommendations to Increase Usefulness Score

Document User Growth

Provide specific metrics on user acquisition and retention rates

Showcase Revenue Model

Detail sustainable monetization strategy and current revenue streams

Expand Evidence Base

Include testimonials, case studies, and third-party validation

Technical Roadmap

Share development milestones and feature completion timeline