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Each score has three parts: the solvency result, the delinquency result and the confidence tier. Read them together.

The results

A KO is not a final rejection. It tells you the candidate is a weaker fit for this listing, based on the data you sent.

The tier

The tier tells you how much to trust the results:
  • Accredited: the results are based on documented data.
  • Declared: the results are based on what the candidate told you.
  • Basic: only solvency is available, based on declared income.
A Declared OK is a good sign, but it depends on the candidate’s own statement. An Accredited OK is backed by documents.

Prioritizing candidates

Vivara recommends the same order it uses for its own visits:
  1. Accredited candidates, from the lowest effort rate to the highest
  2. Declared candidates, from the lowest effort rate to the highest
  3. Candidates whose effort rate cannot be calculated
Within each tier, a lower effort rate means more room to pay the rent. Accredited candidates come first because their data is backed by documents. This is a recommendation, not a rule: you decide who to call.

What the score does not tell you

  • Whether the insurer will issue a policy. The insurer runs its own checks when you ask for a quote and request the policy.
  • Anything about the candidate beyond income and delinquency. The score does not cover references, rental history or other criteria you may use.

Deleting a scoring

When you no longer need a scoring, send DELETE /v1/scorings/{scoringId} with your API key. This permanently removes the scoring, its candidatures, saved assessments and the member personal data stored in that scoring. A successful deletion returns 204 with no body. Subsequent reads, updates or deletions return 404 unless you create the scoring again. A scoring that belongs to another API client also returns 404 and remains unchanged.