The best way to do this is to create a more accurate credit prediction system. Underwriters rely on credit scores because they’re cheap, quick, and easy way to triage risk. Credit scores are riddled with inaccuracies, but because risk is difficult to model precisely to begin with, these companies are still in business because they work decently well even despite the many errors.

If you could create a system using publicly available data that is a statistically and meaningfully superior way of predicting risk, it would be immensely valuable to the asset owners that are buying mortgages, insurance products etc. that rely on credit scores. You’d have to get them to demand it enough to change their underwriting guidelines (a morass of bureaucracy), but once they do, you’d also gain some steady demand and a moat of competitive advantage.