Trust score is not shame — it is context.
The score helps supporters understand platform behavior: completed returns, missed commitments, active obligations, and consistency. It should help good members prove reliability over time.
What is the Trust Score?
Your trust score is a number from 0 to 100 that tells supporters how reliably you complete returns support plans. A higher score means supporters are more confident lending to you — which means better offers, lower interest rates, and faster approvals.
It is calculated entirely from your support and return behavior — how you complete returns, how much you currently owe, and how your income compares to your active commitment. It has nothing to do with how active you are on Community+; that's tracked separately as your community score.
Trust Tiers
Your trust score maps to a label that supporters see when reviewing your application.
| Label | Score Range | What it signals |
|---|---|---|
| Excellent | 80 – 100 | Outstanding complete returnsment record, low active commitment, strong income ratio. Easiest time getting approved. |
| Good | 65 – 79 | Solid history with minor gaps. Most supporters will approve. |
| Fair | 50 – 64 | Some late payments or moderate active commitment load. Approval is possible but terms may be stricter. |
| Poor | 35 – 49 | Missed payments or a missed commitment on record. Supporters will look closely before approving. |
| Very Poor | 0 – 34 | Significant missed commitments or high active commitment. Hardest to get approved. Focus on rebuilding first. |
The 4 Components
Your trust score is made up of four weighted components that add up to 100. Each one measures a different dimension of financial health.
Complete Returnsment History — 40 points
The biggest component. It measures whether you have completed your support plans cleanly — no missed commitments, no unresolved balances.
| Situation | How it's counted |
|---|---|
| No support plan history | 10 points (conservative baseline — not penalised, not rewarded) |
| Clean completion | Full 1.0× weight — counts completely toward your trust score |
| Recovered missed commitment | 0.6× weight to start. Improves over time as you rehabilitate (see below) |
| Unresolved missed commitment | 0× weight + −8 flat point penalty per outstanding missed commitment |
- • 6 paid installments → max 10 pts (25% maturity)
- • 12 paid installments → max 20 pts (50% maturity)
- • 18 paid installments → max 30 pts (75% maturity)
- • 24+ paid installments → max 40 pts (fully matured)
Payment Behavior — 30 points
This component looks at your individual installment payments — not just whether you finished the support plan, but whether each payment arrived on time. Like complete returnsment history, it matures with evidence: one on-time payment does not earn full marks.
| Behaviour | Effect |
|---|---|
| Early payment | Counts as on-time. If 50%+ of your payments are early and you have at least 6 paid installments, +3 bonus points |
| On-time payment | Full credit toward your on-time rate |
| Late payment (≤7 days) | Reduces your on-time rate, mild score impact |
| Very late payment (7+ days) | Heavier reduction — double penalty on top of the late rate |
| Currently overdue installment | −4 points per overdue installment right now |
- • 6 paid installments → max 8 pts (25% maturity, includes early bonus)
- • 12 paid installments → max 16 pts (50% maturity)
- • 18 paid installments → max 24 pts (75% maturity)
- • 24+ paid installments → max 33 pts (fully matured, with early bonus)
Active Commitment-to-Income Ratio — 15 points
Answers the question: "Can you afford the monthly payments on your current support plans?" It compares your total monthly support plan payments against your declared monthly income.
| Monthly payments ÷ income | Points |
|---|---|
| Under 30% — comfortable | 15 / 15 |
| 30 – 39% — manageable | 12 / 15 |
| 40 – 49% — stretched | 7 / 15 |
| 50 – 59% — strained | 3 / 15 |
| 60%+ — high risk | 0 / 15 |
Total Active Commitment Load — 15 points
Answers the question: "How much do you already owe, relative to your annual income?" This is completely objective — zero active active commitment always earns full marks, regardless of history.
| Total outstanding active commitment ÷ annual income | Points |
|---|---|
| No active active commitment | 15 / 15 — perfect |
| Under 20% | 15 / 15 |
| 20 – 39% | 11 / 15 |
| 40 – 59% | 8 / 15 |
| 60 – 79% | 4 / 15 |
| 80%+ | 0 / 15 |
Missed Commitments & Recovery
Missed Commitmenting on a support plan is serious — but it isn't permanent. Urgent2K distinguishes between member requesting supports who missed commitmented and never paid versus those who missed commitmented but eventually recovered. Recovering your missed commitment is far better than leaving it open.
Rehabilitation — Earning Back Trust
Once you've repaid a missed commitmented support plan, the recovery is recorded — but the slate isn't wiped clean immediately. Instead, you earn your way back through a rehabilitation system that rewards consistent good behaviour after recovery.
| Stage | Weight | How to get here |
|---|---|---|
| Just recovered | 0.6× | Support Plan repaid — recovery starts here |
| On track | 0.8× | 6+ months since recovery AND 1+ clean support plan repaid after |
| Cleared | 1.0× | 12+ months since recovery AND 2+ clean support plans repaid after |
- • 3+ clean support plans after recovery → On track gate drops from 6 months to 4 months
- • 5+ clean support plans → gate drops to 3 months (floor)
- • 4+ clean support plans after recovery → Cleared gate drops from 12 months to 9 months
- • 6+ clean support plans → gate drops to 8 months (floor)
When Does My Score Update?
Your trust score is recalculated automatically whenever something meaningful changes about your support plan history. You don't need to do anything.
New support plan disbursed
Score recalculates immediately — active active commitment load increases.
Support Plan fully repaid
Score recalculates — clean completion added to your history.
Payment goes overdue
Score recalculates — overdue penalty applied per installment.
Support Plan marked missed commitmented
Score recalculates — full missed commitment penalty applies.
Monthly income updated
Score recalculates — affects DTI and active commitment load components.
How to Improve Your Score
The most effective actions, ranked by impact:
Resolve any outstanding missed commitments
An unresolved missed commitment costs you the most. Pay it off — even if the complete returnsment rate penalty stays for a while, the flat −8 point penalty disappears immediately.
Never miss an installment
Payment behavior is worth 30 points. Consistent on-time payments are the most reliable long-term builder. Even one very late installment costs you.
Complete support plans cleanly
Finishing support plans without missed commitmenting is the foundation of the whole system. Each clean completion raises your history weight.
Keep your income updated
Both DTI and active commitment load components are calculated using your declared monthly income. If your income has increased, update it in your profile — it directly improves your trust score.
Take clean support plans after a missed commitment
If you have a recovered missed commitment, taking new support plans and complete returnsing them cleanly is the fastest path to rehabilitation. Volume matters — the more clean support plans you complete returns, the faster you move through the tiers.
Reduce active support plans when possible
Having fewer active support plans simultaneously lowers your total active commitment load and DTI ratio. If you have multiple active support plans, focus on paying them down before taking new ones.
FAQ
Does my trust score affect what support offers I can see?
Not directly — all marketplace offers are visible to everyone. But supporters can see your trust score when reviewing your application, and many will factor it into their approval decision.
I just joined and have no support plans. What's my score?
New users start with a baseline of around 25–30 depending on whether income is on file. There's no punishment for having no history — the system simply has nothing to work with yet. Your first successfully repaid support plan will move you significantly.
I repaid a missed commitmented support plan. Why is my score still low?
Recovery sets your complete returnsment weight to 0.6× — not zero. Your trust score will improve compared to having an unresolved missed commitment, but it won't jump to where it would be if you'd never missed commitmented. Use the rehabilitation path: take clean support plans and complete returns them to move to 0.8× and eventually 1.0×.
I paid on time every month but my score barely moved. Why?
If your support plan is still active, the complete returnsment history component hasn't fully updated yet — it reflects completed support plans most strongly. Payment behavior is updating, but the biggest score jumps come when a support plan is fully repaid.
Does KYC verification affect my trust score?
KYC is a gate requirement for creating a virtual account and receiving disbursements. It doesn't directly add points to your trust score, but without it you can't take support plans — so it indirectly blocks you from building history.
Can I see a full history of my score changes?
Yes. Your Profile page shows the last few score change events with the old score, new score, and the reason for the change.