> ## Documentation Index
> Fetch the complete documentation index at: https://docs.inkwell.finance/llms.txt
> Use this file to discover all available pages before exploring further.

# Credit Reports

> Understand your on-chain credit score, what influences it, and how to improve your standing on Leviathan.

> **CONFIDENTIAL & PROPRIETARY © 2026 Inkwell Finance, Inc. All Rights Reserved.**
>
> This document is for informational purposes only and does not constitute legal, tax, or investment advice, nor an offer to sell or a solicitation to buy any security or other financial instrument. Any examples, structures, or flows described here are design intent only and may change.

## Overview

Your **credit report** is your financial identity on Leviathan. It combines your on-chain history into a single score between 0 and 1000 that determines your borrowing eligibility, interest rates, and credit limits. The Credit Reports page in the app gives you full visibility into your score and the factors that drive it.

## Your Credit Score

Every borrower on Leviathan has a credit score stored on-chain:

| Range    | Tier          | What It Means                                                                                             |
| -------- | ------------- | --------------------------------------------------------------------------------------------------------- |
| 800–1000 | **Excellent** | Top-tier borrower. Access to the best rates, highest limits, and longest terms available on the protocol. |
| 600–799  | **Good**      | Strong track record. Competitive rates and standard borrowing limits.                                     |
| 400–599  | **Fair**      | Moderate risk profile. Conservative rates with reduced limits.                                            |
| 200–399  | **Poor**      | Limited borrowing options with restrictive terms.                                                         |
| 0–199    | **Very Poor** | May not qualify for lending. Focus on building on-chain history.                                          |

Your score is updated periodically as new on-chain data becomes available. The Credit Reports page shows your current score, your tier, and how your score has changed over time.

## What Influences Your Score

Your credit score is derived from multiple factors based on your on-chain activity:

### Trading Performance

Your historical trading results across on-chain markets. Consistent, risk-managed performance contributes positively, while excessive losses or erratic behavior may lower your score.

### Portfolio Management

How you manage positions over time — diversification, position sizing, and risk exposure. Disciplined portfolio management signals lower lending risk.

### Market Experience

The breadth and depth of your on-chain activity. Longer track records with diverse market participation demonstrate reliability.

### Repayment History

If you've previously borrowed on Leviathan, your repayment behavior is a strong factor. On-time repayments and clean loan closures significantly boost your score. Defaults or late payments have a lasting negative impact.

### Volume and Consistency

Sustained, consistent activity carries more weight than sporadic large transactions. Regular engagement across markets demonstrates ongoing operational capacity.

## How to Improve Your Score

<Steps>
  <Step title="Build On-Chain History">
    A longer, more diverse on-chain track record improves your score. Consistent activity across markets demonstrates reliability to the scoring system.
  </Step>

  <Step title="Manage Risk Carefully">
    Disciplined position sizing and risk management contribute positively. Avoid outsized positions that could result in large losses.
  </Step>

  <Step title="Repay Loans on Time">
    If you have existing Leviathan loans, timely repayment is one of the strongest positive signals. Clean loan closures significantly boost your score.
  </Step>

  <Step title="Maintain Consistency">
    Steady, sustained activity is valued over sporadic bursts. Regular engagement shows operational stability.
  </Step>
</Steps>

## Reading Your Credit Report

The Credit Reports page displays:

| Section              | What It Shows                                       |
| -------------------- | --------------------------------------------------- |
| **Score Summary**    | Your current score, tier, and score trend over time |
| **Factor Breakdown** | Which factors are helping or hurting your score     |
| **Score History**    | How your score has changed across past assessments  |
| **Eligibility**      | What borrowing terms you currently qualify for      |
| **Recommendations**  | Suggested actions to improve your score             |

## Privacy Model

Leviathan's credit scoring balances transparency with privacy:

**What's on-chain (public):**

* Your credit score (0–1000)
* Your risk tier classification
* Score update timestamps
* Loan repayment history

**What stays off-chain (private):**

* Raw trading data and transaction history
* Detailed portfolio analysis
* Model inputs and scoring calculations
* Personal identifying information

Your score is public and composable — other protocols can read it to make their own lending decisions. But the detailed data that produces the score is never published on-chain. Only the final score and tier are visible.

<Note>
  Credit scores are computed by an ML pipeline that analyzes public on-chain data. You do not need to submit documentation or undergo manual review. Your on-chain track record speaks for itself.
</Note>

## Score Updates

Scores are not updated in real time with every transaction. Instead, the scoring pipeline periodically reassesses borrowers based on new on-chain data. The frequency of updates depends on:

* Whether you have an active loan (more frequent updates)
* Whether your on-chain activity has changed materially
* Protocol-wide scoring cycles

The Credit Reports page shows when your score was last updated and when the next assessment is expected.