Credit Insight
Explainable 300–850 credit readiness score with bands, factors and reason codes.
A transparent composite score that combines verified bureau data, repayment behaviour and consented local signals — every output ships with the factors and reason codes behind it.
What Credit Insight does
A single readiness score with Poor → Excellent bands, weighted from identity, bank, mobile-money, MFI/SACCO, utility, asset and behavioural components.
Each score returns the top positive and negative factors so loan officers can explain a decision to a borrower and an auditor.
Where a national or accredited bureau exists, its signal is weighed dynamically — Duruj complements bureaus where traditional history is thin.
Every score records which policy version and model version produced it, so a historical decision stays reproducible.
From signal to governed decision
- 1Borrower consents and verified signals are collected through the institution’s policy.
- 2The deterministic scoring engine computes the composite score and per-component sub-scores.
- 3The score, band, factors and reason codes are returned to the console and API — the credit committee decides.
DurujScore is decision support, not a lender or bureau replacement — every output ships with reason codes, a confidence score and an audit row, and your credit committee remains the decider.
Related modules
Cashflow stability, income capacity and economic activity from consented data.
Learn more →🛡IdentityFraud & Identity Risk moduleKYC confidence, device and SIM consistency, and fraud-signal clustering.
Learn more →🛰SpectrumShared RegistryCross-lender exposure and loan-stacking detection with strict tenant boundaries.
Learn more →See Credit Insight on your own data.
Book a walkthrough and we’ll show how it fits your policy, consent and audit workflow.