YOUR RIKI SCORE
More of your life.
More of the picture.
Cash flow adds context to your ability to pay.
See the comparison
The credit-history view.
Your ability-to-pay view.
Similar observed risk in the mortgage study.
Your credit score stays the same. Cash flow adds another view.
See the cash-flow and credit-risk comparison
Cash flow meets credit risk.
| Riki / cash-flow ratio | Comparable credit-risk band |
|---|---|
| 85 | 620–639 |
| 95 | 640–659 |
| 103 | 680–699 |
| 105 | 700–719 |
| 110 | 720–739 |
| 115 | 740–759 |
| 120 | 760–779 |
| 125+ | 780–800 |
About this comparison
The supplied mortgage analysis compared cash-flow ratios and credit-score bands using observed 90-day delinquency across approximately 3,400 first-time homebuyer purchase loans. It used 12 months of bank data per borrower, with loan originations spanning nearly six years.
A ratio of 110 means $1.10 of income for each $1 of required expenses in that analysis. The bands describe comparable observed risk in that sample; they do not convert or change a credit score or guarantee loan approval.
Table source: supplied Exhibit A, “Residual Income Correlation to Default.”
Read the supporting mortgage case study