Credit scores are a funny thing. Funny might not be the right word, but you know what we mean. You can't have a credit score unless you have a credit history. You have to use your credit to keep your score up, but if your score's not good enough, you can't get credit. But never fear, AI and machine learning are here to help. Our guest on this episode is Ajay Gopal, he's with Deserve, a startup that's using machine learning to extend credit to people who may not have a typical credit history.