The Rescore Scoring Matrix

Illustrative growth of total score as borrowing experience, debt exposure, repayment performance, and credit diversity increase.

THE BORROWING CAPACITY MATRIX

Click here to View or Download the full framework for measuring proven borrrowing capacity.

Variable Definitions

Total Score = Final Rescore America score (1000–5000).
Debt Exposure Component = Largest proven debt obligations successfully managed.
Repayment Performance Component = On-time payment history and completed obligations.
Borrowing Diversity Component = Experience across mortgages, revolving credit, commercial loans, equipment financing, lines of credit, etc.

Total Rescore Score

Debt Exposure Component
Repayment Performance Component
Borrowing Diversity Component
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The chart renderer will automatically assign different colors to each variable line. This creates a visual presentation showing how increasing debt management experience and repayment success contribute to advancement from B through EEE.

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