The Credit Rating Calculator is a figure that describes the individual’s creditworthiness. This is intended for cases in which the creditor does not have access to a private individual’s data. In this case, the required data is obtained by interviewing the individuals in person, in the process completing those data fields that are required for the calculation. The higher the calculated figure, the higher the individual’s creditworthiness. Calculations of creditworthiness are made for the next twelve months. The figure is obtained by carrying out mathematical calculations following an analysis of the information taken during the interview.