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That which we discovered is the fact that specially in metropolitan communities, thereвЂ™s this rich tradition of men and women coming together and lending and having to pay cash together. In academics, they call this a вЂњrotating credit relationship.вЂќ Informally, it is called tandas in Mexico or susus in Africa вЂ” itвЂ™s a phenomenon that is worldwide been occurring for millennia. Exactly just just What weвЂ™re doing is acknowledging the game for really just exactly what it really is, which can be a monetary task that is casual. just What weвЂ™re doing is actually formalizing it, so we are able to report that task into the credit reporting agencies. By doing that, weвЂ™re helping people build or enhance their credit ratings.