Credit scoring (scoring)
The bank's internal points model for estimating how likely an applicant is to stop repaying. It combines data from the application (income, employment, age, family) with records from the BRKI, NRKI and SOLUS credit registers and with ratios such as DSTI and DTI. Scoring is part of the creditworthiness assessment the bank must carry out under § 86 of Act No. 257/2016 Coll., and its result decides both approval and the rate.
Example
An applicant with a net income of CZK 60,000 wants CZK 4,000,000 over 25 years at 5.00 %. The payment of CZK 23,384 puts his DSTI at about 39 %, comfortably below the banks' usual internal threshold of 45 %. Yet if the register shows two credit card payments missed last year, scoring may drop him into a worse category with a higher rate or a lower limit.
In practice
Every bank runs its own model, so one can turn you down while another approves. Before applying, request your register extract and cancel unused credit cards and overdrafts (kontokorent), because the bank counts their full limit. Applying to many banks at once backfires: the enquiries show up in the register and can look like a hunt for credit at any cost.
How it differs
Creditworthiness (bonita) is the general ability to repay; scoring is the bank's specific calculation that turns it into a number. The registers are just one input, and a clean record does not by itself mean a good score. Two banks may rate the same applicant differently.
Related terms
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