4.2Components of Credit Data

1. Transaction History: Record the performance of individual transactions. Any transaction can be marked as a malicious transaction and result in credit damage.

2. Debt Level: loans, mortgages, and guarantees are all considered as part of this assessment.

3. Length of Credit History: a measure of the length of credit history. A long-standing and positive credit history may have a positive impact on credit assessment.

4. New Credit: Recently established credit records of the individual being assessed, primarily used to examine the correlation between addresses.

5. Payment history: Record the payment history of an individual in transactions.

6. Asset Ownership: The amount and duration of holding digital currencies.

7. Social Network Data: Other addresses and nodes can provide social data support similar to guarantees.

8. Identity Verification: Information used to verify the individual’s identity, such as Know Your Customer (KYC).

9. Smart Contract Execution Records: Records of contract execution, indicating whether the individual has fulfilled contractual obligations.

10. Information Security Records: Including identity theft, cyberattacks, and other security incidents.

11. Social Contributions: Data related to the individual’s participation in blockchain community building.