Many Millennials become credit rejects through no fault of their own, according to a new ID Analytics study. It calls for using less traditional ways to measure loan risks.

The study says Millennials are denied financing at a higher rate, yet their payback record outperforms that of their elders.

Measuring demographics within the same credit score range of 600 to 700, the study says Baby Boomers and Generation X are two to three times more likely than Millennials to become delinquent on loans of 12 months and longer.

“There are a ton of safe Millennials out there,” Patrick Reemts, ID Analytics’ vice president-credit risk solutions, tells WardsAuto. “They are low risk and likely to pay back a loan.”

But Generation Y, consisting of people born between 1977 and 1994, can suffer from credit invisibility, meaning their credit histories are unscorable based on traditional scoring methods.

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