Basic details like your age, nationality, and marital status account for 3% of your score equivalent to 26 points. They don’t measure financial performance but confirm your identity and stability. Verified personal data adds transparency and helps lenders make confident, responsible lending decisions. When you are missing Demographic data, you get a default scoring of -25%.
Demographic Variables
Variable
Sub-Weight
Max Points
Excellent (100%)
Good (75%)
Fair (50%)
Poor (25%)
Age
30%
8
8 pts 33–47 (Prime working age)
6 pts 28–32, 48–52
4 pts 23–27, 53–62
2 pts 18–22, 63+ Unverified
Nationality
25%
6
6 pts Ghanaian
5 pts Other verified
3 pts Documented non‑citizen
2 pts Undocumented Missing Documentation
Marital Status
20%
5
5 pts Married
4 pts Single
3 pts Divorced/Widowed
1 pts Separated/Unknown Missing Data
Family Size
15%
4
4 pts 2–3 persons
3 pts 1 or 4 persons
2 pts 5+ persons
1 pts Undefined Missing Data
Gender
10%
3
3 pts Male/Female
2 pts Other genders
1 pts Unknown
1 pts Not specified Missing Data
Other key metrics to note in the Demographic score computation:
You score 1 point for unknown Marital Status
You score 2 points for unknown Age
You score 1 point for unknown Gender
You score 2 points for not having documentation for your Nationality
myCredit Score Limited is fully licensed by Bank of Ghana under the Credit Reporting Act, 2007 (Act 726) as No. 004
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