1. MODELS
  2. Rating model for individuals

RATING MODEL FOR INDIVIDUALS


Individuals’ rating (CIP – CREDITINFO predictor) – a solution that assesses the financial status and payment habits of residents and helps protect against financial surprises. It predicts whether an individual will be late in fulfilling obligations exceeding 20 euro for more than 90 days in the coming year.

The financial forecast is calculated based on unique CREDITINFO and official register data:

  • Credit history (the longer the credit history, the better the rating).
  • Query history (frequent queries indicate a higher risk of late payments).
  • Negative information: outstanding and past debts, late or still outstanding payments.

Assess residents’ financial status and avoid potential surprises, saving time and resources with individuals’ credit scores.