> For the complete documentation index, see [llms.txt](https://docs.adjutor.io/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.adjutor.io/use-cases/loan-scoring-credit-scoring.md).

# Loan scoring/ Credit scoring

One of the biggest fears of any lender is giving loans to a borrower who won’t pay back. This is why evaluating the creditworthiness of borrowers is highly essential for making informed lending decisions. 

With our decisioning and credit scoring APIs, lenders are provided with a reliable and efficient way to access borrowers credit data, thus minimizing risk and making much better lending decisions. 

## How this works

* Your customers provide you with data which are valuable for scoring. This includes BVN and phone number.
* Using this data, you can check our database of bad actors (Karma) to confirm if such customer has been previously reported by a lender in the ecosystem.
* With our vast ecosystem of customer data, you can confirm the customer activity with other borrowers and configure the kind of customers you’d like to provide loans to. 
* Adjutor provides connections with the FirstCentral and CRC Credit Bureaus. Check for customer’s records and retrieve comprehensive credit reports to aid your decisioning. <br>

With these layers of scoring embedded in your platform, you are sure to enhance your lending processes thus making better-informed decisions, and minimizing financial risks.

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