When a cop pulled over Zaydoon Munir, the soon-to-be entrepreneur experienced an "aha" moment: what if there was an option for individuals with subprime credit to attend a money management traffic school? Just as people who attend traffic school get points taken off their license, consumers who take finance classes would see improvements to their loan terms.

In April 2012, the ex-Experian exec formalized his idea and launched RevolutionCredit, a company that creates and collects behavioral data.

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