Anyone can scrape data and call it a credit model.
Garbage in, garbage out.
That is the oldest rule in modeling, and it is about to get tested.
That is not what Reklaim Credit Solutions is doing.
The cannabis industry is going to be flooded with “AI-powered” credit tools. Algorithms pointed at whatever data someone could scrape together. Black boxes marketed as intelligence.
Confident scores built on inputs nobody can defend.
That is not credit infrastructure. That is a demo.
Real credit modeling is a discipline.
It has a forty year body of work behind it. It has standards, methodologies, and a small group of people who actually know the inputs and how to build models that hold up when real money is on the line.
Albie Fensterstock is one of those people.
Albie is our Chief Data Scientist.
He is one of the most credentialed people in B2B credit risk in the country, with over 40 years of experience in credit risk analytics, predictive modeling, and decision support systems.
He has built models for some of the largest credit departments and agencies in the world.
He founded CreditRiskMonitor.com, the first internet-based financial information and news service for the corporate credit function.
He co-founded Retail Stat, a public company credit reporting service. He was lead consultant at PredictiveMetrics, the scoring company formed by the former head of scoring at D&B, where he managed clients including CIT. Earlier, he led major technical engagements at two Big Eight accounting firms.
Credit Today named Albie one of the 50 most influential people in credit.
He is a Credit Research Foundation fellow.
He has published extensively in the Credit and Financial Management Review.
His academic foundation matches the work. Bachelor’s degrees in mathematics and economics from MIT. Master’s degrees in statistics from MIT and business from Columbia.
At Reklaim Credit Solutions, Albie architects the neural network ensemble models that turn real accounts receivable aging data, contributed by real operators, into credit scores, credit limits, and full credit reports for the legal cannabis B2B market.
Fully built using today’s most modernized cloud-based tech stack, with immediate scale to meet pent-up industry-wide demand from national founding member operators committed to the Reklaim Credit Solutions platform.
The time is now.
The data is clean.
The methodology is proven.
The person building it has done this work, at scale, for decades.
The difference is not marginal. It is the difference between a credit rating agency and a dashboard.
Cannabis deserves the former.
That is what we are building at Reklaim Credit Solutions.