> ## Documentation Index
> Fetch the complete documentation index at: https://developers.vivara.io/llms.txt
> Use this file to discover all available pages before exploring further.

# How the score works

> What solvency and delinquency measure, and what data each one needs.

The tenant score is made of two checks that run independently of each other.

## Solvency

Solvency tells you whether the candidate's income can cover the rent. It is based on the **effort rate**: the share of the candidate's monthly income that would go to paying the rent of the listing.

* **What it needs:** the candidate's monthly income and the listing's monthly rent.
* **What it does not need:** the ID number. You can get a solvency result for a candidate you only know by their declared income.

| Effort rate | Solvency result |
| - | - |
| Below 35% | **OK** |
| From 35% to 40% | **OK at the limit**: solvent, but close to the limit |
| Above 40% | **KO** |

## Delinquency

Delinquency tells you whether the candidate appears in a delinquency register, which records unpaid debts.

* **What it needs:** the candidate's ID number (DNI or NIE) and postal code.
* **Without the ID number**, the delinquency check cannot run. The score says so, instead of returning a result.

## Candidates who rent together

When several people apply to rent together, send each of them as part of the same application, with the main applicant and the co-tenants.

* **Solvency** uses their combined income: the effort rate is the rent divided by the sum of everyone's monthly income. If any of them has no income declared, the effort rate cannot be calculated.
* **Delinquency** is checked for each person. The application is KO if any of them appears in a delinquency register.

## Two results, not one

Vivara reports each result separately. A candidate can be solvent and appear in a delinquency register, or the other way round. Vivara does not merge the two into a single verdict, because how much weight each one deserves depends on your own process.

## When the score is calculated

The score is calculated when you send the candidate's data, and again when you change the income or the ID number.

Sending a document does not recalculate the score. It changes the confidence tier, because the value is now backed by a document. See [Confidence tiers](https://developers.vivara.io/tenant-scoring/confidence-tiers.md).

> [!NOTE]
>
> The score is the same one Vivara uses for its own rentals. It does not depend
> on the insurer, and a good score does not guarantee that a policy will be
> issued. See [Non-payment insurance](https://developers.vivara.io/non-payment-insurance/overview.md).


This documentation is built and hosted on [Mintlify](https://mintlify.com), a developer documentation platform.