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%

100

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$8447.36

Shock absorbedNot yet

Identity assurance0

Compensating sources3/5

Housing yes · Income yes · Cash flow yes · Identity no · Traditional credit no · 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

+9000

ORIG-REL-002

Housing payment reliability

You have paid rent on time. Origin treats housing history as proof of reliability, which most credit files never include.

Payment reliability

+1000

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