Scores

Score = share of weekly installments that were fully paid by their due date, across every loan. Excellent ≥ 90, Good ≥ 75, Watch ≥ 50, Poor below. Nothing is typed in — it is computed from the payment dates.

Referrers

1 point for every on-time week by someone you referred, +5 when a loan you referred finishes with every week on time. A referrer is never a guarantor.