Contribution history
On-time monthly contributions, consistency over the savings phase, and participation in optional acceleration windows. The single largest factor in the score.
Savings Score Factors
What the Savings Score uses, and what it does not.
Voucher selection is governed by your Savings Score — a model designed under ECOA-strict principles. The full feature allowlist is below. Every input is documented; no input is derived from a protected-class attribute.
Allowlisted features
What the Savings Score uses.
Every feature on this list is reviewed for disparate-impact risk before it lands in production. The list is exhaustive — these are all the inputs the score considers.
Time in good standing
Months since enrollment in your active club. Compounds over time — the longer you have been in good standing, the more weight your standing carries.
Acceleration behavior
Optional voluntary contributions above the minimum. Members who accelerate are signaling commitment and the model rewards that signal.
Engagement with the platform
Logging in to track your position, reviewing statements, completing your profile, and engaging with educational content. All signals of an informed, active member.
Half-payment elections (within structured limits)
Use of the half-payment option within its structured envelope (eligibility window, cool-down period, deferred-amount repayment). Penalized less than missed payments because the relief is structured.
Asset-class community signals
Aggregate, anonymized signals from members in the same asset-class pool — never individual data, never protected-class attributes. Helps calibrate model timing per asset class.
ECOA-protected attributes — never used
What the Savings Score never uses.
- Credit score (FICO, VantageScore, or any equivalent)
- Income or income proxies
- Race, color, or ethnicity
- National origin or immigration status
- Gender or gender identity
- Marital status
- Age (other than minimum 18 for legal capacity)
- Religion
- Receipt of public assistance
- Exercise of any right under the Consumer Credit Protection Act
- Disability status
- Sexual orientation
- ZIP code as a proxy for any of the above
These are the attributes protected under the Equal Credit Opportunity Act (ECOA), the Fair Housing Act, and equivalent state-level provisions. The Savings Score model has never been trained on any of them and never will be.
Transparent by design.
Every member can audit their own Savings Score factors at any time. Each factor's contribution to your current score is itemized in your member dashboard. If your score moves, you can see exactly why.
For voucher selection cycles, the model's outputs are logged with full feature attribution. The audit trail is end-to-end and reviewable by external counsel as part of our compliance program.
Want to go deeper?
Read the white papers, see the technology stack, or talk to a Savings Expert about how the score affects your specific situation.