There is probably no such person today who did not use the loan at least once in my life. Sometimes a bank can decide whether to grant a loan within 15 to 20 minutes of your appeal.

 How do you do it – such a short time to estimate the borrower? You don’t do it yourself – the decision is made by an impartial computer program – the rating system. It is the customer who uses the data entered to assess the trustworthiness of the customer.

What a strange world


This not very clear name comes from the English word Score, which means “Score”. Scoring is a computer program that represents a kind of questionnaire that characterizes the borrower. Before making a decision to grant a loan, a bank employee will ask you to answer a few questions.

The answers are entered into a computer. The program then evaluates the results and assigns a specific number of points to each point. As a result of all evaluations, you will receive a specific general indicator, which is defined as a scoring score. The higher this score, the more likely the decision to grant a loan is.

Most of the time, one type of assessment is used at a time, with a client being evaluated in different directions, or a complex multi-level system is used.

Types of assessment


The most important and most common of these is application evaluation. This is a validation method that evaluates the solvency of customers. If you have not received enough points for this type of rating, it is very difficult to get a loan. Alternatively, you can offer other loan terms – a higher interest rate or a smaller loan amount.

The next level of evaluation is determining a potential borrower’s predisposition to fraud. It is evaluated by the system. Fraud assessment. The criteria for calculating this parameter are every bank’s trade secret.

Behavior assessment is a type of review that allows predicting the customer’s solvency in the future. With this analysis system, you can also identify some “behavioral factors”: how the customer manages the loan, whether you want to make payments accurately and on time, choose the credit card limit immediately or use the money in parts and much more.

There is another, more uncomfortable type of review: borrower collection evaluation, the development of which is very important; arrangements for working with customers with arrears. It is necessary for an adequate assessment of the risk of credit default and for the timely application of preventive measures.

Can you “fool”?

Since the credit rating is done by a machine, it seems that it is not difficult to fool the system – it is enough to give only the answers that are “correct” from the bank’s point of view. However, this is not the case, because such an attempt can only be successful if the program is structured so that some data about you cannot be checked immediately. If only documented information needs to be entered for the assessment, it is almost impossible to deceive the system.

 Check that the data in the questionnaire is genuine. The situation for security officers is not difficult since the vast majority are former employees of the Ministry of the Interior, the Federal Security Service and other similar departments and like to use the “old connections”. In addition, it is sometimes sufficient to simply call the work or the neighbors of the future customer.

Trying to outsmart the program is still not worth it as it initially contains all the known schemes and signs of fraud. If such an attempt is discovered, you will never be granted a loan in that bank.

So let’s consider what benefits a potential borrower should have if they want to borrow easily.

Personal information – who is lucky?

  1. Sex – Women are believed to be more responsible in fulfilling their financial obligations.
  2. Age – Here excessive youth or maturity games can prank you. The age from 25 to 45 years is preferred. Customers who fall into this area can count on additional points for this article.
  3. Education: – If you have a higher education, the bank will trust you more. Such customers are considered to be more successful, more responsible and more financially stable.
  4. Family ties – Lonely people are not a priority. So if you can boast at least one marriage under the general law, you get an extra point.
  5. Dependent – having children is of course not an obstacle to granting a loan. However, the more there is, the lower the score for this item you receive.