Creditcrest Intent
Two borrowers sixty days behind are not the same. Intent tells them apart, and shows why.
Part of Creditcrest Score, in Creditcrest Decisioning Suite.
Signals you can inspect.
An index of intention to pay from 0 to 100, every signal with its evidence.
What you do here. Read an example borrower’s index of intention to pay, from 0 to 100, with the evidence for each signal.
Try it end to endTake the tour- You bring
- What the borrower did: debits, promises, contact
- You get
- An index from 0 to 100, each signal with its evidence
- Holds the line
- Calibrated on the lender’s own book
Lost their job, said so, kept a reduced promise, caught up — 80 of 100
strong evidence of intent to pay. only 1 promise, so it moves a lot on the next one
| Signal | Weight | Evidence |
|---|---|---|
| cured_arrears | +12 | Was 44 days past due at worst, and is up to date. |
| arrangement_kept | +10 | Made all 1 plan payment due under the arrangement from 25 Feb 2026 to 1 May 2026. |
| hardship_notice_early | +8 | Hardship raised on 25 Feb 2026. |
Cancelled the debit before the first repayment, then went quiet — 0 of 100
strong evidence of intent not to pay. only 2 promises, so it moves a lot on the next one
| Signal | Weight | Evidence |
|---|---|---|
| mandate_cancelled_early | -20 | Payment authority cancelled on 20 Jan 2026, first repayment due 1 Feb 2026, nothing arranged in its place. |
| first_payment_default_with_capacity | -18 | Nothing paid by the first due date, 1 Feb 2026, and no contact, while the assessed surplus was $600 a month. |
| unreachable_after_default | -10 | No channel reached the borrower after 1 Feb 2026: sms, email failed. |
| promises_broken | -10 | 2 of 2 promises broken. |
What it reads
17 signals, each with a starting weight the lender replaces with weights calibrated on its own book (POST /v1/intent/calibrate). Financial hardship always counts for intent. No age, postcode or protected attribute is read.
| Signal | Starting weight |
|---|---|
| cured_arrears | +12 |
| paid_after_default | +15 |
| hardship_notice_early | +8 |
| arrangement_kept | +10 |
| partial_payments | +6 |
| promises_kept | +10 |
| candid_declaration | +6 |
| other_lenders_paid | +6 |
| prior_loans_completed | +8 |
| mandate_cancelled_early | -20 |
| bank_disconnected | -12 |
| first_payment_default_with_capacity | -18 |
| promises_broken | -10 |
| unreachable_after_default | -10 |
| contact_details_abandoned | -6 |
| declaration_contradicted | -8 |
| repeated_dishonour_no_replacement | -8 |
For a program
POST /v1/intent/read with {accounts: [{terms, events, asAt}], conduct, reading?, assessedSurplus?, weights?}. Nothing is kept.