ill take 1k for a score :D

 

I'll take my score,
I think i slide into the Good category xD

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Even if you have been on ECC from the start and have full donation features and are EcoLegend. You'd still only end up with a score of roughly 690. And if you earn the max repayment points, you end up with 735.
So no one can get excellent credit? xD

 

oh i see.
Thanks for clearing that up.

Though i would need 4 loans and repay them all 7 days early each time :p

 

Do I understand correctly that I get paid just for asking my score - not that I have to pay for that?
In both cases, I want my score please :)

 

I'd like my score please :)

 

If we repy loans to other people do our scores go up? Or is it only in this service? @ZevZero

 

*Asks for credit score* :p

 

Once I get my loan service up and running, we can maybe talk about a partnership :D

 

Might as well as for my credit score please :)

 

I have never been fond of loans and believe that it is still best to earn your way and to learn patience. That said, this is one of the best thought out systems I have seen.
In regards to the scores, I have my concerns that only the positive of the past seems to be considered in the score and none of the past scams (especially loans) and bans are even considered. This presents an issue of trust in the system if the "troll" factor is not even considered.
Wishing you the best of success!

 

Does that mean my perfect score gets taken away because of my acts 2 years ago?

 

When I was in the loan business, I used a (private) spreadsheet to automatically calculate a score. It took into consideration many factors and the different coefficients could be tweaked in order to better balance the different aspects. There were both positive and negative factors. I had to manually search through history and input all info such as time they joined and shit, but the fact that the number was computed automatically made it less prone to mistakes. Plus, it was very easy to update someone's score.
Now that @luccowarleo is back I'm not giving loans by myself anymore, I'm just an investor in Bank of Babylon as he's much better than me in judging (some dose of human judgment is still necessary); but I think that a common, public score algorithm agreed among the biggest actors in the loan business would be awesome. I'm willing to share my old algorithm, if you're interest and want to take inspiration

 

Score? :p