Credit Impact

TLDR: Based upon our research, when Revival Finance, Inc. purchases a portfolio of debt, borrowers have seen their credit score increase 5-25 points as a result of our transaction. Further, Revival Inc. refrains from participating, facilitating or partnering in any activity or practice known to produce reductions in credit scoring.

Proprietary Algorithms. Credit scores issued by Experian, Equifax, and TransUnion are determined using proprietary algorithms. Because of the proprietary nature of their scoring systems, Revival Finance, Inc. cannot not issue promises or gurantees based upon the impact of our process on any individual's score.

Do No Harm Clause. As stated in the Revival Manifesto, and agreed upon in relation to our investment from the Tides Foundation, Revival Finance, Inc. abstains from participating in any activities known to result in negative marks on a consumers' credit report. This includes but is not limited to advising consumers to stop payment on current accounts, relisting delinquent accounts and/or any prohibited practices listed in the Fair Debt Collection Practices Act.

Rev. October 2022.