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.
My question:
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?)