Your credit score
A number from 0 to 1000 that lenders see before they quote you.
In shortStarts at 200, grows with time and on-time repayments, drops with late payments and defaults. Lenders see it before they quote you.
- Range
- 0 to 1000
- Start
- 200
- On-time repayment
- +50
- Default
- -150
Every borrower has an on-chain credit score. It starts at 200 the moment you register or post your first request, and it moves with what you do. Lenders see it beside every request you post. You see your own at the top of Lending, My positions, with the counters that make it up.
| What | Points | Cap |
|---|---|---|
| Starting score | 200 | |
| Each day since you registered | +1 | 150 |
| Each on-time repayment | +50 | 350 |
| Best streak of on-time repayments | +10 per loan in the streak | 100 |
| Each early or partial repayment | +15 | 50 |
| Each late payment | -30 | |
| Each default or liquidation | -150 |
The score is clamped between 0 and 1000. Bands: under 200 is New, 200 to 399 Building, 400 to 599 Established, 600 to 799 Strong, 800 and up Prime.
How to grow it
- Register early. The day counter runs from registration, and 150 points of it come for free with time. The Register button is on the My positions tab.
- Take small loans and repay them before the due date. Each one is 50 points, and a streak adds 10 more per loan.
- Never let a loan reach default. One default costs more than three on-time repayments earn.
The number shown in Saturn Ops is computed live from your counters. Some older tools read a cached value on the chain that only updates when a contract recalculates it, so it can lag behind.