Creditonline is the company introducing the innovative credit business with an information system being essential to a successful management of customer credit business. The SCCO system guarantees a debt portfolio with a maximum quality for a credit business company. For assessing the customer’s solvency it is very important what a system participant is seeing. This system is providing the most up to date information and differs from other debtor systems.

In order to asses a client, Creditonline is using the SCCO system, working by following different criteria. The customer solvency is assessed in the SCCO system according to main data fields like: customer status, the date of the last obtained credit, the total number and amount of taken credits, the number and amount of overdue credits, credit repayment date.

Creditonline using SCCO system is having the following criteria when we do not give a credit. When there are 2 different clients connected to the same IP in two days the request for a credit s rejected by Creditonline. Having an unpaid credit at other creditors and not having paid anything for them according to the SCCO database can cause credit application rejection. Also following the SCCO system there are two further criteria when we do not give a credit: if a client has overdue credit and in the same time applied for two or more creditors the person will not get a credit from Creditonline.

People who want to obtain a credit from Creditonline have to have other income than just child allowance, have to answer to our phone call about their workplace and have to give honest answers and after we check in public companies database the workplace, company cannot be bankrupt.

These are our criteria when giving credit to customers, having the right workplace, income and being fit to SCCO requirements can lead our clients to a credit, otherwise our company is rejecting applications.