Best Practices for building a strong score
Building a strong Localcredit score is about demonstrating consistent, responsible financial behavior over time. The good news: real-world habits that make you reliable in everyday life are exactly what the system rewards most. Follow these proven practices to grow your score steadily and unlock better opportunities.
1. Start with Consistent On-Chain Activity (Highest Impact)The Repayment & Obligation Fulfillment and Behavioral Consistency components (combined weight 0.40) are the biggest drivers of your score.
Receive regular income or transfers into your primary wallet (e.g., salary, freelance payments, remittances).
Make everyday spends and payments from your wallet – consistency matters more than volume.
Avoid long periods of inactivity – even small, regular transactions help maintain momentum.
2. Repay Loans and Obligations Fully and On TimeNothing boosts your score faster than proven repayment history.
Borrow from Localcredit-integrated lenders (even small amounts) and repay early or on schedule.
Use recurring payment protocols (e.g., subscriptions, streaming services paid on-chain).
If you fall behind temporarily, recover quickly – the model rewards resilience and correction over perfection.
3. Add Identity Boosters Progressively. Layer optional verifications to strengthen Identity Strength & Persistence (weight 0.20) and remove any score caps.Recommended order for maximum efficiency:
Verify Email (+10–15 pts)
Verify Phone (+10–15 pts)
Link X/Twitter (+5–20 pts, higher with blue check and positive VADER sentiment)
Connect Traditional Credit (TransUnion, Experian, etc.) (+10–40 pts – biggest single jump)
Complete KYC/AML (optional, +15–40 pts – for top-tier scores and premium access)
Each added layer compounds trust and accelerates growth.4. Stake $CREDIT for AlignmentStaking signals long-term commitment and directly adds points.
Stake any amount you’re comfortable holding – even small stakes provide a meaningful boost.
Longer intended hold periods can earn extra points (future feature).
Staking contributes to both score and network health.
5. Maintain Stability Across Contexts. Link multiple wallets and stay consistent across chains and apps to improve Cross-Context Continuity (weight 0.20).
Add EVM, Solana, or other wallets you use regularly.
Keep similar responsible patterns wherever you operate (e.g., timely repayments on different protocols).
6. Avoid Risky Patterns. Minimize deductions in the Risk component (weight 0.20).
Steer clear of extreme volatility or unusual transaction clusters.
Use privacy tools responsibly – heavy mixer usage may trigger light flags.
Resolve any AML alerts promptly if they appear.
Sample Timeline to Reach High Scores
Timeframe
Actions
Expected Score Range
First Week
Connect wallet + email/phone
50–70
First Month
Regular activity + first small repaid loan
65–80
3–6 Months
Add traditional credit + consistent repayments
80–90
6–12 Months
Full verifications + staking + cross-chain
85–95+
Key Mindset
Think long-term: sustained good habits beat short-term optimization.
Be authentic: the system rewards real financial responsibility, not gaming.
Check your dashboard weekly: watch how actions translate to points and adjust accordingly.
Follow these practices and your Localcredit score will naturally reflect – and reward – the reliability you already demonstrate in daily life. Higher scores mean better rates, larger limits, and more doors opened across the ecosystem. Start small, stay consistent, and watch your reputation grow.
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