Start with evidence#
Completed obligations, repayment timing and reviewed records form the primary evidence. Optional structured feedback has a small, bounded contribution.
Explain the result#
The user can inspect completion counts, timeliness and contributing factors. A person with no qualifying history has no score rather than a bad score.
Separate reputation from access#
Trust is not a banking credit-bureau score or a promise of repayment. Any restriction has a stated reason and a review path. Direct relationship history remains distinct from the broader summary.