Runs entirely in your browser

What-if simulator

Change any input below and watch the score update instantly — this runs the exact same scoring math as the live API (web/assets/orai-scoring.js, checked byte-for-byte against the Python original), computed right here with no network round trip and no address involved.

Repayment history

Utilization

Longevity & activity

Credential

What's driving this score

Client-side only — nothing here is sent anywhere.