The number is the sum of its reasons.

Switch the model. The same file, five published products, plus employment which puts zero weight on debt.

Payment reliability

Whether you pay what you owe, including rent and utilities. · weight 50%

Ability to pay

Whether income and cash flow cover the obligation. · weight 0%

Credit exposure

How much revolving credit you are using. Closed limits still count. · weight 0%

Stability

How long the history is, and whether it is jumpy. · weight 50%

Underwriting packet

Residual / month$10611.53

Shock absorbedNot yet

Identity assurance0

Compensating sources4/5

Housing yes · Income yes · Cash flow yes · Identity no · Traditional credit yes · Asserted derogatories held out: 0 · Provenance 0

ORIG-REL-001

Payment history

Your on-time payment record across rent, utilities, and credit is the largest part of this score.

Payment reliability · Reg B 17: Delinquent past or present credit obligations with others

+7800

ORIG-REL-003

Recent delinquency

A payment in the last year was late. The effect fades as it ages, and an approved hardship arrangement is not counted as late.

Payment reliability · Reg B 17: Delinquent past or present credit obligations with others

-1200

ORIG-STB-001

Length of housing history

How long you have been paying housing is part of this score. A year of rent is history a traditional file usually does not have.

Stability · Reg B 11: Length of residence

+7100

ORIG-STB-003

Identity verification

How confidently Origin has verified your identity. Stronger verification makes the file harder to confuse with someone else's.

Stability