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 no · 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
You have paid rent on time. Origin treats housing history as proof of reliability, which most credit files never include.
Payment reliability
Origin can see earnings you connected. That is income a traditional credit file usually does not have.
Ability to pay
You do not have revolving credit. That is not scored as 'zero utilization' — those are different facts — and it is not a reason Origin will decline you.
Credit exposure
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