Endless Sky improves upon the Escape Velocity series it was inspired by and modeled after by adding a banking/financial system, complete with loans/mortgages, interest rates, a credit score mechanic, and even death benefits (you pay relatives of the deceased when a crew member dies).
I understand the basics of how these work, including the credit score: a higher credit score means you can apply for larger loans with better interest rates, just like in the real world.
What factors determine your credit score, and how important is each relative to the others?
Factors that seem relevant:
- Recent income (loans are higher when I have been making more money)
- Net worth
- Amount of debt (loans, bereavement, etc.)
- Capacity for repayment (combat rating? cargo capacity?)