Tektic LLS: We MeasureIntent, Not Just Income.
The Lending Loyalty Score — a proprietary 300–900 algorithmic scale designed specifically for the unorganized credit market. Data-driven. Behavior-based. Built for trust.
Score Range
300 – 900
The 4 Pillars of LLS
Each pillar contributes to your total 900-point score.
The single most important factor. Measures on-time repayments, EMI consistency, and default history. A perfect record here builds the strongest foundation for your score.
Analyzes income stability and borrowing discipline. Regular, predictable cashflow and responsible borrowing behavior boost this pillar significantly.
Evaluates your current debt burden relative to your income. Lower utilization and manageable exposure signal responsible credit management.
Tracks how frequently your credit is being checked. Too many inquiries in a short span may indicate credit distress or potential fraud.
Total: 405 + 225 + 135 + 135 = 900 points maximum
How Score Updates Work
Your LLS score is dynamic — it updates automatically based on your lending behavior. Every EMI paid on time strengthens your score. Every default is recorded and reflected. The system processes updates in near real-time, ensuring lenders always see your most current credit profile.
- Real-time updates when lenders report payments or defaults
- Historical trends available for all pillars
- Score recovery possible by rebuilding positive behavior
- No manual intervention — fully automated algorithmic scoring
Score Timeline
LiveEMI Paid — Mar 2025
New Loan Opened — Feb 2025
Early Settlement — Jan 2025
Missed EMI — Dec 2024
Repo ID Created — Nov 2024
Workforce Reliability Score (WRS)
Beyond credit — the WRS will measure employment reliability. Attendance patterns, job stability, employer feedback, and income consistency will create a parallel score for workforce trust. One identity, two scores: credit + employment.