{
  "service": "Creditcrest Intent",
  "version": "1.0.0",
  "says": "This reads the evidence of a borrower’s intention to pay and states how much weight each piece carried. It is not an approval, a decline or a credit score reported to anybody, and it is uncalibrated until the lender calibrates it on its own book. Creditcrest Technologies is not a credit provider, is not a credit assistance provider, and does not hold an Australian credit licence. Its software produces evidence; the licensee makes the decision.",
  "stores": "nothing",
  "signals": {
    "cured_arrears": {
      "weight": 12,
      "what": "Fell behind and caught up again without enforcement"
    },
    "paid_after_default": {
      "weight": 15,
      "what": "Kept paying after a default, and cleared or substantially reduced it"
    },
    "hardship_notice_early": {
      "weight": 8,
      "what": "Told the lender about difficulty before or at the first missed repayment"
    },
    "arrangement_kept": {
      "weight": 10,
      "what": "Kept to a hardship or repayment arrangement"
    },
    "partial_payments": {
      "weight": 6,
      "what": "Paid something in periods they could not pay in full"
    },
    "promises_kept": {
      "weight": 10,
      "what": "Kept most promises to pay"
    },
    "candid_declaration": {
      "weight": 6,
      "what": "Declared income and debts that the statement bore out"
    },
    "other_lenders_paid": {
      "weight": 6,
      "what": "Repayments to other lenders on the statement run regularly without dishonour"
    },
    "prior_loans_completed": {
      "weight": 8,
      "what": "Completed earlier loans with this lender"
    },
    "mandate_cancelled_early": {
      "weight": -20,
      "what": "Cancelled the direct debit or payment authority before or soon after the first repayment"
    },
    "bank_disconnected": {
      "weight": -12,
      "what": "Revoked the bank connection or payment account with money owing and no replacement arranged"
    },
    "first_payment_default_with_capacity": {
      "weight": -18,
      "what": "Missed the first repayment, uncontacted, while the assessment showed a clear surplus"
    },
    "promises_broken": {
      "weight": -10,
      "what": "Broke most promises to pay"
    },
    "unreachable_after_default": {
      "weight": -10,
      "what": "Stopped responding on every channel after a default"
    },
    "contact_details_abandoned": {
      "weight": -6,
      "what": "Contact details stopped working while money was owing"
    },
    "declaration_contradicted": {
      "weight": -8,
      "what": "Declared income or debts that the statement contradicted materially"
    },
    "repeated_dishonour_no_replacement": {
      "weight": -8,
      "what": "Payments dishonoured repeatedly with no replacement payment"
    }
  },
  "endpoints": {
    "POST /v1/intent/read": "{accounts: [{terms, events, asAt}], conduct, reading?, declared? (Creditcrest Apply’s feeds.intent), assessedSurplus?, weights?}",
    "POST /v1/intent/calibrate": "{outcomes: [{index, outcome}]}"
  }
}