Credit Scoring

One Score Built From the Borrower’s Complete Financial Picture

The CreditRefPro Score organizes documented financial information into one clear and explainable credit score.

Instead of relying only on salary or an informal recommendation, CreditRefPro considers the borrower’s broader financial position.

The score may consider:

Income

Every recurring source, not only a salary.

Employment and payroll income
Rental income
Business income
Pension and retirement income
Interest income
Dividend and distribution income
Other recurring income

Obligations and capacity

What is already committed, and what is left.

Existing loans and obligations
Available payroll-deduction capacity

History and stability

Whether the picture holds up over time.

Repayment history
Income stability
Verified assets

Data quality

How well evidenced the rest of it is.

Information completeness
Verification strength
Disputed or corrected information

More Than a Number

Every CreditRefPro Score includes information explaining the result.

Borrowers can see:

Their current score

The date it was calculated

The information included

Positive score factors

Factors reducing the score

Missing documents

Verification status

Recent changes

Disputed information

Opportunities to strengthen their profile

The Score Range

Every CreditRefPro Score runs from 0 to 1000.

It is not a bureau score and does not resemble one on purpose. It is built from the information on this platform, and the range says how much of that information is present and how well evidenced it is.

Range	Band	What it describes
0–499	Early Little evidence yet	Little has been recorded or evidenced so far. This describes how much the platform holds, not how the borrower has handled money.
500–649	Developing Partly evidenced	The essentials are recorded. Most of it rests on what the borrower has stated, or a large share of their income is already committed.
650–799	Established Well evidenced	A complete picture with documents behind most of it, and room left in the borrower's income.
800–1000	Comprehensive Fully evidenced	Income from one or more sources, confirmed by people other than the borrower, with documents behind it and most of the income uncommitted.

A band describes the strength of a profile, not a lending decision. It is not an approval, an interest rate, or a loan amount — each lender applies its own requirements.

One Consistent Scoring Standard

The CreditRefPro Score provides participating lenders with a consistent starting point for reviewing borrower requests.

Lenders may apply their own additional requirements, policies, and decision rules. A CreditRefPro Score does not guarantee approval, an interest rate, or a particular loan amount.

Learn How Credit Scoring Works