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How Important Could Upstart’s Auto Business Be by 2032?

Upstart (NASDAQ: UPST) has taken the lending industry by storm with a platform that helps make affordable credit available to more Americans. The company’s product competes primarily with the FICO credit score, which, while historically critical to lenders, is a flawed method for determining a person’s creditworthiness. As a study conducted by Upstart in 2019 found, 80% of Americans have never defaulted on a debt, yet only 50% of Americans have access to prime credit based on their FICO scores.

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