Community Credit
A score built from promises kept, not years in one country.
Community Credit runs 300 to 900 and is recomputed as you go. It is proprietary, Wiremi underwrites its own lending against it, and it is never presented as a bureau score, because it is not one.
Twelve months, one record
A score that moves for reasons you can read.
Every entry names the promise that moved it and what it was worth. This is one member, from the day the account opened to the Trusted tier.
- AugTwelve months, no missed obligation+38
- JulLoan settled early, in full+41
- JunSecond circle joined, both on time+39
- MayTwo instalments repaid on schedule+36
Trusted
Rate ceiling up to 15.0%
Community Credit
742/900
How it is built
We publish the weights, and the tier they add up to.
The largest weight sits on the promise no other lender counts, because it predicts repayment best. Your tier sets the ceiling on the rate you can be charged, and nobody negotiates it, not you and not the benefactor who funds you.
- 65%
Circle faithfulness
On time contributions, and never missing a payout turn, across every circle you have kept.
- 25%
Loan repayment
Wiremi loans repaid on schedule, and loans you funded for someone else as a benefactor.
- 10%
Savings held
Balance held across personal savings and your circles. The smallest weight, deliberately.
Emerging
under 385Up to
22.0%Where every record begins.
Building
385 to 599Up to
18.0%Borrowing opens with a record behind it.
Trusted
600 to 770Up to
15.0%A lower ceiling, earned by a steady record.
Anchor
771 to 900Up to
10.0%The best rate Wiremi offers.
A lender asks. You approve or decline.
Access closes on its own after thirty days, and the request is logged on both sides.
Who reads it
Three readers. One of them only with your consent.
Wiremi
AlwaysWe price loans against it. Your tier sets the ceiling on the rate you can be charged and the limits you can hold.
You
AlwaysEvery entry that moved the score is in the app with the amount it moved, beside the weights behind it.
Lenders and banks
Only if you approveThrough Wiremi Verify, and only when you approve the request. They see the depth you agreed to, for thirty days.
Circles
From your first contribution
Loans
From your first repayment
Savings
From the balance you hold
Nobody else. Community Credit is not on a credit report, it is not sold, and it is not shared with an employer, an insurer or a marketer.
What it unlocks
The score is the key, and the key is free.
No plans and no subscription. Wiremi earns when money moves and when a loan is made, never by charging you to see your own record.
Ceiling set by tier
Loans
Borrow on your record, priced from your tier and funded by one benefactor.
Reviewed by Wiremi
Fund a loan
Apply to become a benefactor and put your savings behind a member’s record.
Every tier
Higher limits
What you can hold, send and borrow rises with the tier.
With your consent
Wiremi Verify
Let a lender or a landlord see your standing, only when you approve.
No plans, nothing to cancel.
Questions people actually ask
- Does Community Credit affect my credit score in Canada?
- No. Community Credit is a Wiremi score and it is not a bureau score. What it does is unlock money inside Wiremi, and let a lender or a landlord read your standing through Wiremi Verify when you approve it.
- What happens if I miss a circle contribution?
- It is recorded, and the app tells you so at the moment you pick a funding source, before the payment, not after it. One missed contribution is a dent, not a collapse; the score reads the pattern across every cycle you have run.
- Why is savings the smallest weight?
- Because holding money is not the same as keeping a promise to another person. A locked savings goal shows discipline and it counts, but a circle contribution has somebody on the other end of it, and that is what makes it predictive.
- Can Wiremi change my score by hand?
- Any manual adjustment carries a reason and the name of the person who made it, and it is written to the audit record. The score is otherwise computed from your events alone.
- Do I need to pay for Community Credit?
- No. There are no plans and no subscription. Every member gets the whole score, free.
Start the record
Your first contribution is the first line of the file.
Join a circle or start one, and the record begins the day the payment clears.