Origin Score · model v1
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.
Underwriting packet
Housing yes · Income yes · Cash flow yes · Identity no · Traditional credit yes · Asserted derogatories held out: 0 · Provenance 0
Contributions
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
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
Origin can see earnings you connected. That is income a traditional credit file usually does not have.
Ability to pay
Your earnings vary from period to period. Origin measures that variance instead of averaging it away, which is how gig work actually looks.
Ability to pay
Overdrafts or returned payments show up in the bank activity you connected. They weigh on this part of the score until the pattern stops.
Ability to pay
Your revolving balances are a moderate share of your limits. Paying them down would raise this part of the score; closing a card would not.
Credit exposure · Reg B 9: Excessive obligations in relation to income
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
How confidently Origin has verified your identity. Stronger verification makes the file harder to confuse with someone else's.
Stability