Credit Profile & Repayment History (60%)
This captures how you have managed previous credit obligations including loan repayment patterns, arrears history, and credit facility status making up 60% of your credit score which is equivalent 510 points. It is influenced by the your Bank Credit Data and when you have no Bank Credit Data, you automatically get 20% of the allocated score for Repayment History which is equivalent to 120 points.
Bank Credit Data Variables (used when Bank Credit Data exists)
| Variable | Sub-Weight | Max Points | Excellent (100%) | Good (75%) | Fair (50%) | Poor (25%) |
|---|
| Loan Amount (All Statuses) | 12% | 61 | 61 pts
GHS0 - GHS5,000 | 46 pts
GHS5,001 - GHS10,000 | 31 pts
GHS10,001 - GHS50,000 | 15 pts
GHS50,001 - GHS200,000
> GHS200,000
No data |
| Duration of Loan Term (months) (All Statuses) | 8% | 41 | 41 pts
0 day - 3 months | 31 pts
4 - 6 months | 20 pts
7 - 12 months | 10 pts
> 12 months
No data |
| Percentage of Credit Paid (All Statuses) | 20% | 102 | 102 pts
1(100%)
90% - 99.99% | 77 pts
75% - 89% | 51 pts
60% - 74%
45% - 59% | 26 pts
30% - 44%
15% - 29%
0% - 14%
No data |
| NDIA (All Statuses) | 15% | 77 | 77 pts
None/0 | 58 pts
1 to 30 days | 38 pts
31 to 60 days
61 to 90 days | 19 pts
91 to 120 days
121 to 150 days
151 to 180 days
181 days or more
Deduct Overdue Loans Present
No data |
| Missed but Paid Installments (All Statuses) | 12% | 61 | 61 pts
None/0 | 46 pts
1 to 30 days | 31 pts
31 to 60 days
61 to 90 days | 15 pts
91 to 120 days
121 to 150 days
151 to 180 days
181 days or more
No data |
| Legal Flag | 13% | 66 | 66 pts
0/No data/First Timer | 50 pts
false | 33 pts
Historical | 17 pts
true |
| Credit Facility Status (All Statuses) | 20% | 102 | 102 pts
C - Closed
T - Early settlement
P - Paid up but could reopen | 77 pts
A - Active/Open
B - Approved, not disbursed | 51 pts
E - Terms extended
R - Rescheduled
X - Delayed Payment by CAGD | 26 pts
L – Handed over/legal
W – Written off
G – Charge-off
D – Disputed
Z – Deceased
N – Loan against policy
0/First Timer - No data |
Default Scoring for No Credit Profile Data
| Scenario | Description | Default Score | Justification |
|---|
| No Credit Data Available | First-time borrower with no credit history% | 102 Points
(20% of Component 1) | Conservative scoring for completely untested credit risk |
| Basic Documentation Only | Some financial records but no credit data% | 153 Points
(30% of Component 1) | Moderate scoring based on alternative documentation |
| Income Verified, No Credit History | Verified stable income, first-time borrower% | 255 Points
(50% of Component 1) | Higher scoring for income-verified applicants |
