
Goscore is a Nordic-first Credit Reference Agency (CRA) founded in 2019 in Norway. They offer cross-border credit scoring and fair risk profiles by leveraging Open Banking and transactional data combined with Machine Learning. Their solutions help financial institutions improve risk assessment, reduce default rates, and onboard more responsible borrowers by analyzing consumer financial behavior. Goscore aims to provide a fair, accurate, and human-centric credit scoring system, moving beyond traditional methods that often overlook individuals with unconventional financial histories. Their services cater to banks, insurance companies, and e-commerce businesses, enabling tailored pricing strategies and better customer insights. Goscore is supported by SR-Bank, Techstars, Innovation Norway, and others, and is authorized by Datatilsynet in Norway.

Goscore is a Nordic-first Credit Reference Agency (CRA) founded in 2019 in Norway. They offer cross-border credit scoring and fair risk profiles by leveraging Open Banking and transactional data combined with Machine Learning. Their solutions help financial institutions improve risk assessment, reduce default rates, and onboard more responsible borrowers by analyzing consumer financial behavior. Goscore aims to provide a fair, accurate, and human-centric credit scoring system, moving beyond traditional methods that often overlook individuals with unconventional financial histories. Their services cater to banks, insurance companies, and e-commerce businesses, enabling tailored pricing strategies and better customer insights. Goscore is supported by SR-Bank, Techstars, Innovation Norway, and others, and is authorized by Datatilsynet in Norway.
What they do: Nordic-first authorised credit reference agency building cross-border credit scoring using Open Banking and transactional data
Founded / HQ: 2019; Bergen, Norway
Customers: Banks, insurance companies, e-commerce businesses (B2B) and consumer-facing apps
Regulation: Authorised CRA supervised by Datatilsynet (Norway)
Investor signal: Backers include Hackquarters, Techstars, Catapult
Credit scoring, consumer credit data portability, risk assessment for financial services
2019
Fintech / Credit Reporting
“Backed by Hackquarters, Techstars and Catapult”