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Vouch was founded in 2013 by an ex-PayPal and Prosper team to make credit available to subprime and near-prime borrowers who are more creditworthy than their FICO score would indicate. Vouch's patent-pending credit underwriting methodology combines rigorous data-driven underwriting with mobile/social app design to create a unique credit enhancement service for low-FICO borrowers. The company is backed by prominent venture capitalists who have been active investors in consumer financial services: First Round Capital, Greylock, and IDG Ventures.