Risk analytics · 2026
Why was I declined?
A credit scorecard with its lid off. Drag income, FOIR, bureau vintage or enquiry count and watch both the score and the accept/decline decision move, with the cutoff drawn where you can drag it too.
20
score bands
Live
cutoff you can move
Built with
ReactVitePython (fitting)
A scorecard is not a black box
Points-based scorecards are additive and completely legible, which is exactly why regulators like them. The app makes that legibility the interface: every slider shows the points it contributes, so the score is visibly a sum rather than an oracle.