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What is Your IOU Credit Score?


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In this episode of Money Creation Explained, we are going to cover What is Your IOU Credit Score?

IOU Notes is creating an alternative to the traditional credit score in the industry which ours is only based on peer-to-peer transactions. This IOU Credit Score is independent of the traditional credit score and every user has the opportunity to start from fresh and establish their IOU Credit Score. Their traditional credit score will not factor in at all and users judge other users on the IOU Notes platform based on their IOU Notes performance and not their traditional credit performance.

IOU Credit Score are calculated using many different forms of IOU Notes platform data. This data is grouped into many categories such as IOU payment history (which consists of number of IOU transactions, dollar amounts of IOU transactions, average length to IOU repayment), IOU amounts owed vs. IOU credit, length of IOU credit history, working with other users in different business categories, and loan mix if applicable. With the IOU Notes platform the more users that other users have good working relationships with the higher their overall IOU credit score will be. This is because, when users extend credit and/or loans to other users and that pay it back on a regular basis it demonstrates that they honor their commitments and are trustworthy.

IOU Credit Score considers both positive and negative information in the IOU Credit Report. Negative information will be such items as late payments, not paying backs IOU credit and/or loans, or paying them back very late. Reestablishing a good track record of making payments on time and changing related bad habits will raise overall the IOU Credit Score.

IOU Notes is a peer-to-peer credit and loan platform.

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