RCN Score
Credit behaviour, expressed clearly.
A standardised 300–850 score for individuals, paired with confidence and reason codes so lenders understand the signal behind the number.
Sample borrower
764
A · Very low risk
Leading reason codes
RCN Score bands
The score bands
A common scale makes histories easier to interpret across institutions.
- 800–850 · A+ · Exceptional
- 750–799 · A · Very low risk
- 700–749 · B+ · Low risk
- 650–699 · B · Moderate risk
- 600–649 · C · Elevated risk
- 500–599 · D · High risk
- 300–499 · E · Very high risk
No history is not poor history
Subjects with insufficient reporting receive NR—not rated. RCN does not punish someone simply for being new to credit.
Behaviour, not wealth
Wealth alone does not determine RCN Score. The model evaluates how reliably a subject has handled reported credit, with diminishing returns for repeated tiny loans.
Explainable by design
Confidence reflects depth, diversity, age, completeness and freshness of data. Deterministic reason codes identify the strongest risk signals.
RCN credit information supports institutional risk assessment. RCN does not approve, reject, or price credit products on behalf of participating institutions.