Credit bureaus are good at measuring one thing — your history with mainstream credit (mortgages, credit cards, personal loans). For the people who apply for SACC loans, that history is often too thin or too stale to tell us anything useful.
What we look at instead
We use 90 days of bank statement data, retrieved with your consent via illion. Specifically:
- Does regular income arrive, on time, in the declared amount?
- Do rent/utilities/groceries get paid?
- Are there signs of stress (NSF fees, gambling, high-cost credit)?
- What's left over each pay cycle?
This is what responsible lending actually looks like — evidence-based, specific to your circumstances, not a single scorecard from a file that may be years out of date.