Why does my rating change?
The algorithm that determines credit ratings is constantly at work, which means that changes are expected as a user evolves on the platform. Your credit score will always reflect your most recent actions on the platform and any new information that you may have.
If you have a loan funding, and active debt, your credit rating may decrease slightly. Similarly, once you have paid off the loan your credit rating will potentially go up. Your interest rate however was fixed at the time you took out the loan and will not change with your credit rating changes.
Take for example someone that has D- rating. When they have active debt it may drop them down to E+, disabling their ability to take out loans. It's part of the algorithm and another security process that we’ve included on the platform.
Regardless of short-term fluctuations, your credit score will increase or decrease consistently based on your long term activity. We have demonstrated data that the algorithm rewards responsible users.