What affects your credit score in Endless Sky?

What affects your credit score in Endless Sky? - Side view of content military male embracing beloved in eyeglasses near fence and sea at bright sunset while looking at each other in back lit

Endless Sky improves upon the Escape Velocity series it was inspired by and modeled after by adding a banking/financial system, complete with loans/mortgages, interest rates, a credit score mechanic, and even death benefits (you pay relatives of the deceased when a crew member dies).

I understand the basics of how these work, including the credit score: a higher credit score means you can apply for larger loans with better interest rates, just like in the real world.

My question:

What factors determine your credit score, and how important is each relative to the others?

Factors that seem relevant:

  • Recent income (loans are higher when I have been making more money)
  • Net worth
  • Amount of debt (loans, bereavement, etc.)
  • Capacity for repayment (combat rating? cargo capacity?)
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What can ruin your credit score?

5 Things That May Hurt Your Credit Scores
  • Highlights:
  • Making a late payment.
  • Having a high debt to credit utilization ratio.
  • Applying for a lot of credit at once.
  • Closing a credit card account.
  • Stopping your credit-related activities for an extended period.


How do I get my skyrocket credit score?

How to improve your credit score:
  • Check your credit reports from Experian, TransUnion and Equifax.
  • Stay on top of payments.
  • Lower your credit utilization rate.
  • Ask a friend or relative for a favor.
  • Take advantage of score-boosting programs.
  • Don't apply for new accounts too often.


    • What things build up your credit?

    How to build credit with a credit card
    • Sign up for the right type of credit card. ...
    • Become an authorized user. ...
    • Set up automatic credit card payments. ...
    • Open a second credit card. ...
    • Request a credit limit increase. ...
    • Make your rent and utility payments count. ...
    • Take out a personal loan.


    What items are you looking for that would adversely affect your credit score?

    Here are a dozen specific scenarios that can impact your score negatively.
    • Reporting Errors. Inaccurate negative information on your credit reports can impact your score. ...
    • Parking Tickets. ...
    • Utility Bills. ...
    • Medical Bills. ...
    • Delinquent Child Support. ...
    • Paying Off a Loan. ...
    • Closing a Credit Card. ...
    • Not Paying Your Rent.



    Endless Sky part 1: Pretty bad Credit Score



    Sources: Stack Exchange - This article follows the attribution requirements of Stack Exchange and is licensed under CC BY-SA 3.0.

    Images: Ivan Oboleninov, Đình Luật, Đình Luật, Sami Anas

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