Clusivi

Clusivi is a FinTech startup redefining what it means to be creditworthy. Founded by Cedric Lipsey, Clusivi exists to replace the outdated and exclusionary FICO credit scoring system with a smarter, more inclusive alternative. For nearly 70 years, FICO has locked millions out of opportunity—especially those from underserved and underresourced communities. At Clusivi, we believe it's time for a change. Our platform, Plan-to-Pay, empowers individuals to prepay for high-value purchases in structured installments—no interest, no debt. As users demonstrate consistency, delayed gratification, and purpose-driven planning, they unlock access to affordable credit based solely on real-time financial behavior—not past mistakes or traditional scores. For banks and credit unions, Clusivi offers a standardized, low-risk way to expand lending, grow deposits, and meet Community Reinvestment Act (CRA) goals. For individuals, Clusivi is a bridge to dignity, ownership, and full participation in the economy. We’re not just disrupting FICO. We’re building a new system rooted in fairness, transparency, and inclusion. Clusivi: Redefining Creditworthiness for All.