Quote from: Shadow383 on September 03, 2012, 02:40:25 AM

What would be required for someone to get a B or C credit rating? Huh

Patrick gave this when he first started the credit ratings, don't know if it's been revised since then though.

Quote from: PatrickHarnett on July 08, 2012, 04:32:31 AM

Financial
Liquid Assets: Those able to be redeemed within 48 hours - includes cash held at an exchange.
Assets: Typically investments in fixed term deposits or extended as loans.
Investments: Stocks, bonds and investments in BTC enterprises that are not necessarily liquid.

Nett Income: Average monthly income for the last 3 months.
Bad debts: Total of bad debts to Assets for the last 3 months.

Current Liabilities: Payable within 1 month.
Term liabilities: Payable later than one month.

Non-Financial
Identity verification (generally accepted people know who you are in real life)
Length of time in "business" (months)
Operation of limits on accounts.
Disaster recovery procedures (Y/N)
Prior late or missed payments.

Non-Financial
Identity verification (generally accepted people know who you are in real life)
Length of time in "business" (months)
Operation of limits on accounts.
Disaster recovery procedures (Y/N)
Prior late or missed payments within the last six months.

Ratios

-------------------------------	AAA	AA	A	BBB	BB	B	C
Liabilities / monthly income less than	3	6	9	12	18	24	-
Bad debt ratio less than	0	2	4	6	8	10	-
Current_liabilities_/_Liquid_Assets_less_than	1	1.5	2	2.5	3	5	-
Liabilities_/_Assets_less_than	0.5	0.75	0.9	1	1.1	1.25	-
Time in "business" months	12	6	5	4	3	2	1

Modifiers - to move from one category to another takes three points.
ID verified: +1
Account limits: If current limits maintain or improve ratios, +1, otherwise -1.
Disaster recovery: +1
Prior late/missed payments: -3 per event.

Eisenberg

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