Creditcrest Score
Each applicant against the lender’s own model borrower — or a plain score out of 1200.
Includes Intent.
Measured against your own book.
- Goes in
- A statement and a loan request
- Comes out
- A rating against your own model borrower, every match shown — or a plain score out of 1200
- Holds the line
- It moves with every loan repaid or written off
An invented statement, $1,500 over 6 months
- Creditcrest Score
- 1587
- Band
- B
- Against the model borrower
- +87
- Measured
- 90% of the weight
Somewhat stronger than the model borrower.
Each match against the Example Lending Model Borrower
| Measure | This applicant | Model borrower | Ahead of |
|---|---|---|---|
| Affordability · weight 30% · ahead of 65% | |||
| Surplus as a share of income | 18.5% | 12.0% | 69% |
| Debt repayments, with this loan, as a share of income | 7.2% | 15.0% | 73% |
| Headroom under the 10% repayment limit | $65.20 | $60.00 | 53% |
| Income stability · weight 20% · ahead of 55% | |||
| Pay credits in the last 90 days | 6 | 6 | 50% |
| How much the main pay moves | 10.0% | 10.0% | 50% |
| Income that is inferred rather than identified | 0.0% | 5.0% | 65% |
| Account conduct · weight 15% · ahead of 50% | |||
| Dishonours in the last 90 days | 0 | 0 | 50% |
| Days overdrawn in the last 90 days | — | 0 | not measured |
| Other credit · weight 15% · ahead of 63% | |||
| Existing debt repayments as a share of income | 0.0% | 8.0% | 76% |
| Small loans, pay advances or collectors on the statement | 0 | 0 | 50% |
| Earlier loans with this lender · weight 10% · not established | |||
| Earlier loans paid late | — | 0 | not measured |
| Dishonours on earlier loans | — | 0 | not measured |
| Most days past due on an earlier loan | — | 0 | not measured |
| Consistency · weight 10% · ahead of 87% | |||
| Declared against verified income | — | 5.0% | not measured |
| Share of the statement read | 100.0% | 85.0% | 87% |
Suggestion
Lend. The amount and term asked for look affordable.
- Amount
- $1,500.00
- Term
- 6 months
- Repayment
- $166.16 fortnightly
- Surplus after
- $930.51 a month
Creditcrest Score compares an applicant with the lender’s borrowers who repaid. It is not a credit decision, it declines nobody, and until it is validated on the lender’s own outcomes it is uncalibrated.
On the plain scale the same statement scores 1087 out of 1200, band A.
Score a statement
How it works
- Each lender has its own model borrower, named for it: “Example Lending Model Borrower”. It is the lender’s borrowers who repaid, over the last 24 months.
- Each measure is a match against it, counting only the direction that means less risk. The matches give a difference: +200 comes out ahead about three times in four.
- The applicant’s rating is the model borrower’s rating plus that difference. The model borrower starts at 1500.
- Every loan that completes or is written off moves the model borrower’s rating, so the scale moves with the lender’s market.
- During the loan, every repayment, dishonour, catch-up and payout moves the borrower’s rating. Asking for hardship help never does.
The model borrower an invented lender starts with
- Name
- Example Lending Model Borrower
- Rating
- 1500
- Repays in full
- 90%
- Built from
- The prior
At 1500, a borrower level with the Example Lending Model Borrower is expected to repay in full 90% of the time; it started at 1500 and 90%, a stated judgement, and has moved with 0 loans since.
| Measure | Middle value | Less risk is |
|---|---|---|
| Surplus as a share of income | 12.0% | Higher |
| Debt repayments, with this loan, as a share of income | 15.0% | Lower |
| Headroom under the 10% repayment limit | $60.00 | Higher |
| Pay credits in the last 90 days | 6 | Higher |
| How much the main pay moves | 10.0% | Lower |
| Income that is inferred rather than identified | 5.0% | Lower |
| Dishonours in the last 90 days | 0 | Lower |
| Days overdrawn in the last 90 days | 0 | Lower |
| Existing debt repayments as a share of income | 8.0% | Lower |
| Small loans, pay advances or collectors on the statement | 0 | Lower |
| Earlier loans paid late | 0 | Lower |
| Dishonours on earlier loans | 0 | Lower |
| Most days past due on an earlier loan | 0 | Lower |
| Declared against verified income | 5.0% | Lower |
| Share of the statement read | 85.0% | Higher |
Until the lender has 50 repaid loans, each measure blends the lender’s own values with this starting judgement: with n loans, the lender’s carry n/50 of the weight. Its rating moves by 8 × (result − expected) for each loan: a write-off at its own strength about −7, a repayment under +1.
A rating history
The invented statement’s loan, from assessment to payout. Every change is kept, with its day, its reason and the gap to the model borrower.
| Day | What happened | Rating | Plain | Against the model borrower |
|---|---|---|---|---|
| 1 Oct 2026 | Assessed Compared with the Example Lending Model Borrower at 1500. | 1587 | 1087 | +87 |
| 15 Oct 2026 | Repaid on time Repayment 1, due 15 Oct 2026, paid on time. Expected 97%. | 1587.7 +0.7 | 1089 +2 | +88 |
| 29 Oct 2026 | Repaid on time Repayment 2, due 29 Oct 2026, paid on time. Expected 97%. | 1588.4 +0.7 | 1091 +2 | +88 |
| 15 Nov 2026 | Repaid late Repayment 3, due 12 Nov 2026, paid late on 15 Nov 2026. Expected 97%. | 1578.1 −10.3 | 1083 −8 | +78 |
| 28 Nov 2026 | Dishonour The payment of $110.79 made on 26 Nov 2026 was dishonoured. Expected 98%. | 1567.8 −10.3 | 1073 −10 | +68 |
| 3 Dec 2026 | Missed repayment Repayment 4, due 26 Nov 2026, not paid within 7 days. Expected 97%. | 1548.2 −19.6 | 1053 −20 | +48 |
| 10 Dec 2026 | Repaid on time Repayment 5, due 10 Dec 2026, paid on time. Expected 96%. | 1549.0 +0.8 | 1055 +2 | +49 |
| 10 Dec 2026 | Arrears cleared Everything overdue was paid on 10 Dec 2026. Expected 57%. | 1557.2 +8.2 | 1065 +10 | +57 |
| 31 Dec 2026 | Missed repayment Repayment 6, due 24 Dec 2026, not paid within 7 days. Expected 96%. | 1539.5 −17.7 | 1045 −20 | +40 |
| 5 Jan 2027 | Arrears cleared Everything overdue was paid on 5 Jan 2027. Expected 56%. | 1547.4 +7.9 | 1055 +10 | +47 |
| 5 Jan 2027 | Paid out early Paid out on 5 Jan 2027, before the last repayment fell due on 1 Apr 2027. Expected 57%. | 1551.2 +3.8 | 1060 +5 | +51 |
| 5 Jan 2027 | Loan completed Repaid in full on 5 Jan 2027. Expected 92%. | 1553.0 +1.8 | 1070 +10 | +53 |
Then the loan counts in the Example Lending Model Borrower: expected to be repaid 94% of the time and repaid, so its rating moves +0.5 to 1500.5. Repaid, but more than 7 days past due at some point: it counts in the rating, not the profile.
What moves a rating
Each event is a match against what a borrower at 1500 does. K is 24 for the first repayment and shrinks as matches accumulate. A repayment is late if paid within 7 days of its due day and missed after that; a payout counts once it has stood 7 days.
| Event | Result | Expected at 1500 | K | Change at 1500 | Plain points |
|---|---|---|---|---|---|
| Repaid on time A repayment paid by its due day. | Win | 95% | 24 | +1.2 | +2 |
| Repaid late A repayment paid within 7 days after its due day. | Draw | 95% | 24 | −10.8 | −8 |
| Missed repayment A repayment still unpaid 7 days after its due day. | Loss | 95% | 24 | −22.8 | −20 |
| Plan payment kept A payment under a hardship arrangement, made as agreed. | Win | 95% | 24 | +1.2 | +2 |
| Dishonour A payment that was dishonoured and reversed. | Loss | 97% | 12 | −11.6 | −10 |
| Arrears cleared Everything overdue paid, after a missed repayment. | Win | 50% | 24 | +12.0 | +10 |
| Paid out early Paid out before the last repayment fell due. | Win | 50% | 12 | +6.0 | +5 |
| Loan completed Repaid in full. | Win | 90% | 24 | +2.4 | +10 |
| Loan written off Principal given up by the lender. | Loss | 90% | 24 | −21.6 | −50 |
Nothing inside a hardship arrangement lowers a rating: a repayment due during one is not a match, a plan payment missed is not a match, and one counted before an arrangement was recorded is given back.
The plain score
A lender may turn the comparison off. Each measure is then read against a fixed scale, the same weights give a score out of 1200, and the same events move it by fixed points. It is compared with nobody.
| Measure | Value: share of its marks |
|---|---|
| Surplus as a share of income | 0.0%: none · 10.0%: half · 25.0%: all |
| Debt repayments, with this loan, as a share of income | 5.0%: all · 20.0%: half · 40.0%: none |
| Headroom under the 10% repayment limit | $0.00: none · $50.00: half · $200.00: all |
| Pay credits in the last 90 days | 0: none · 3: half · 6: all |
| How much the main pay moves | 5.0%: all · 20.0%: half · 50.0%: none |
| Income that is inferred rather than identified | 0.0%: all · 25.0%: half · 60.0%: none |
| Dishonours in the last 90 days | 0: all · 1: 40% · 3: 10% · 5: none |
| Days overdrawn in the last 90 days | 0: all · 5: half · 20: none |
| Existing debt repayments as a share of income | 0.0%: all · 15.0%: half · 40.0%: none |
| Small loans, pay advances or collectors on the statement | 0: all · 1: 40% · 2: 10% · 3: none |
| Earlier loans paid late | 0: all · 1: 30% · 2: none |
| Dishonours on earlier loans | 0: all · 1: half · 3: none |
| Most days past due on an earlier loan | 0: all · 14: half · 60: none |
| Declared against verified income | 5.0%: all · 20.0%: half · 50.0%: none |
| Share of the statement read | 50.0%: none · 75.0%: half · 95.0%: all |
Bands
| Band | Against the model borrower | Plain | Means |
|---|---|---|---|
| A | +200 or more | 1000+ | Stronger than the model borrower: expected to come out ahead about three times in four or more. |
| B | +50 to +199 | 880–999 | Somewhat stronger than the model borrower. |
| C | −50 to +49 | 760–879 | About as strong as the model borrower. |
| D | −200 to −51 | 600–759 | Weaker than the model borrower. |
| E | below −200 | below 600 | Much weaker than the model borrower: expected to come out ahead about one time in four or less. |
Model card
| Status | Uncalibrated. It is validated once the lender has 100 repaid and 30 defaulted loans. Until then it runs in shadow beside the lender’s policy. |
|---|---|
| Model borrower | A starting judgement, not data: the middle value and spread each measure is expected to have among borrowers who repay. Replaced by the lender’s own repaid borrowers once there are enough. |
| Starting judgements | A borrower at 1500 repays in full 90% of the time, pays 95% of repayments on time and has 3% of debits dishonoured. |
| Components | Affordability 30% · Income stability 20% · Account conduct 15% · Other credit 15% · Earlier loans with this lender 10% · Consistency 10% |
| Never used | age beyond the 18+ eligibility check; sex or gender; postcode or address; whether income is a government benefit; a hardship arrangement or request; vulnerability; answers to the gambling questions; character inferred from where someone shops. |
| Validation | AUC, Gini, KS and the default rate in each band, on the lender’s own outcomes, with population stability. |
| Decides | Nothing. A lender’s policy may refer on it; it never declines on its own. |
For a program
POST /v1/score scores a statement against the model borrower you send, or on the plain scale; POST /v1/score/model-borrower counts completed and written-off loans in it; POST /v1/score/history reads a loan’s ledger into its rating history. You keep the model borrower and the histories; nothing is stored here.