What contributes#
Qualifying completions, repayment timing, account age and finalized transfers support the score. Optional peer feedback contributes at most one point in the current mock formula. Reviewed defaults can reduce it.
Illustrative result#
An example profile might show 92, 14 completed obligations, 13 on time and no unresolved disputes. A displayed repaid total is shared only under the person’s permissions. These figures illustrate the presentation, not a guaranteed formula output.
Inspect the explanation#
The MVP exposes each factor rather than a number alone. Small and rapidly repeated arrangements are excluded from qualifying evidence. The score is not a bureau report, underwriting model or promise of access.