A clearer view of payment behaviour.
A proprietary indicator based on eligible recorded activity, not a promise of repayment.
What can influence the indicator?
- Repayment regularity and payment delays
- Outstanding and overdue exposure
- Available transaction history
- Verified business interactions
- Consistency and recent payment patterns
History has limits
Missing, incorrect or limited records affect what can be inferred. A low-data profile should not be presented as a definitive judgement. The scoring model and release availability must be confirmed in the app.
What it is not
VyapCred Trust Score is not an official credit bureau score, a certification of a customer, an RBI approval or a guarantee of repayment. Do not use it as the sole basis for giving credit.
Something looks wrong?
Request review of the underlying record. A score should follow eligible data and an auditable process, not an arbitrary manual edit.
Request a review