Credit Score Integration

This section explains about traditional credit score integration of the user under the credit scoring model.

Users with existing credit scores for example FICO scores or Vantage Scores can integrate their existing scores with their on-chain credit scores in order determine an accurate credit score with updated data. This section consists of 25% score of the off-chain credit integrated model.

This is the standard followed in off-chain credit scores:

FICO/VantageScore Rating	FICO Score Range	VantageScore Range
Exceptional/Excellent	800-850	781-850
Very Good/Good	740-799	661-780
Good/Fair	670-739	601-660
Fair/Poor	580-669	500-600
Poor/Very Poor	300-579	300-499

DCA Score follows the similar weightage of off-chain scores when adding them to it's own scoring model. The scoring weight distribution against total score allotment is as follows:

FICO/Vantage Score Rating	Min.	Max.
Exceptional/Excellent	0.9x	1x
Very Good/Good	0.75x	0.9x
Good/Fair	0.25x	0.75x
Fair/Poor	0.1x	0.25x
Poor/Very Poor	0	0.1x

'X' is the total score allotment to off-chain scores of the users under all three methodologies.