Using alternative data to provide credit score

so where one person information is diverse and can be accessed via multiple channels,from techco data, bank transactions ,loan data ,behavioural data and social media data . All this processed into a structured format and make it available as an open API.
So early this year, I requested my credit score and rating , it came back with no information,after been charged 2700.However,in the last one year I have taken two loans and payed without default. In the absence of previous loan records or bank records, can we leverage on alternative data to provide credit score? Especially for the underbanked.