Our Mission

Our mission is to make all consumer underwriting more fair by enabling seamless payroll data access between companies and consumers, starting with large residential property managers.

Our Story

Having spent years working on systems that simply enabled more efficient consumer underwriting within the confines of our credit score based world, we saw first hand the need for access to payroll data to enable the next generation of underwriting models that expand access to credit while better mitigating risk.  The future lies in measuring ability to pay, not prior willingness to pay, and Two Dots is on a mission to get us there.