CloutScore helps lenders, CDFIs, and fintechs evaluate and monitor the financial health of gig workers, freelancers, creators, and microbusiness owners. With borrower-permissioned connections to platforms, banks, and tax records, CloutScore normalizes fragmented income into verified profiles—stability, diversification, effective DTI, and explainable risk flags—that slot into existing underwriting workflows. It complements bureau data with the income layer traditional credit models were never built to capture.