You're creditworthy. You know it, your friends and family know it but a bank won't recognize it. Annoying isn't it?

That's because banks have a credit scoring system that has a blind spot to certain people. Freelancers for example, or people who earn money seasonally, or people who buy to let rather than buy to live.

To account for a growing group of people who are reasonably normal in a slightly unconventional way, Duck9 has a developed a different credit scoring system.

If we can't credit score you using the regular methods, we'll take your attitude to money into account through a Duck9 online questionnaire. We'll also capture other relevant details about you such as your eBay feedback score, your address volatility, your job stability and your income streams potential. We do this because we think it's a better credit decision.

On the flipside, our system will also be hideously intolerant of people with poor track records or high levels of current debt. But it will give credit where credit is due.