Today, many people in both first world and emerging economy do not have access to capital due to insufficient credit history. This platform which uses social media as one of its parameters is a way towards providing credit to a larger population group. Since, the subprime group is not availing the general credit rating bureau scores, a more comprehensive data capture protocol from alternative sources must be deployed for creating the credit rating models. These alternative credit rating modules span across a wide user base right from subprime users in the first world to the unbanked population in emerging economies.