DecisionLogic’s President David Evans, left, and CEO Carl Fredericks have developed software they say provides a more accurate picture of a borrower’s ability to repay a loan.

DecisionLogic’s President David Evans, left, and CEO Carl Fredericks have developed software they say provides a more accurate picture of a borrower’s ability to repay a loan.

— Nearly 13 million people have had their banking information instantly and electronically verified by a lender using software invented by a San Diego company that offers an alternate method of determining a borrower’s creditworthiness...

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