> For the complete documentation index, see [llms.txt](https://ccc-23.gitbook.io/credit-chain-coin-white-paper/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://ccc-23.gitbook.io/credit-chain-coin-white-paper/4.proof-of-credit/4.2components-of-credit-data.md).

# 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.