AI Credit Assessment
Comprehensive analysis of your credit profile and loan eligibility
Overall Risk Score
Generated on: January 15, 2024
72
Risk Score
Low Risk Profile
Your credit profile indicates a low-risk borrower with good repayment capacity
Credit History
85/100
Income Stability
78/100
Debt-to-Income
65/100
Employment
82/100
Strengths
Excellent Payment History
98% on-time payment rate over the last 24 months demonstrates strong financial discipline.
Stable Employment
5+ years with current employer shows job stability and consistent income.
Good Credit Mix
Healthy combination of secured and unsecured credit accounts.
Areas for Improvement
High Credit Utilization
Current utilization at 35%. Reducing to below 30% could improve score by 10-15 points.
Recent Credit Inquiries
3 hard inquiries in last 6 months. Avoid new applications for next 3-6 months.
Credit Age
Average credit age of 4.2 years. Keep old accounts open to improve this metric.