Lovable App

1.Checking Account Inflows & Transactions

Regular, high-volume inflows (e.g., bi-weekly salary)

+35,000

Moderate, fluctuating inflows

+15,000

Highly irregular or low-volume inflows

-10,000

Low revolving credit commitments / High total credit limit

+25,000

Moderate unsecured balance utilization

+10,000

High mortgage or unsecured balance as % of net income

-20,000

Employed > 4 years in stable occupation

+20,000

Employed 1 to 4 years

+10,000

Employed < 1 year or unemployed

-15,000

Age 50+ (600+ months)

+15,000

Age 35–50

+10,000

Age < 35

+5,000

High ZIP code-level average income / high demographic profile

+15,000

Moderate ZIP code-level average income

+5,000

Low ZIP code-level average income

-10,000