. >> chris heiser, thanks for being with us. >>> disrupting the loan industry by ignoring credit history in terms of credit future. >>> welcome back to "press here", would lends a chunk of money, say $10,000 to someone just out of college, no income, no real assets and very little credit history? a bank almost certainly would not. if i told you that same person just graduated from say, harvard business school, is about to start her job on wall street next week that kind of changes thing. i would lend because that person has a future. banks loan based on what you've done in the past. common sense you should base a loan based on what the person should do in the future. the general idea behind the lone company earnest which looks behind credit history and fico scores and looks at potential when it decides to whom to loan. the founder of earnest loans, a harvard business grad who had a tough time getting a loan. thanks for being with us this morning. >> so it would seem obvious, but banks have been doing this for a long time. they must know what they are doing. why is your system better? >>