P3 Reputation Score, in Plain Language

The P3 reputation score is a single number between 0 and 1000 that summarizes many signals about how someone has met past commitments.

Score bands

Scores are grouped into bands so they are easier to read at a glance:

• A: typically 850+ — long history of on-time behavior, few recent concerns.
• B: 700–849 — generally positive history with some variation.
• C: 550–699 — mixed or limited history; proceed carefully.
• D: 400–549 — recent problems or very little trustworthy data.
• E: below 400 — high risk or severe recent issues.

What can move your score

• Consistently repaying on time tends to help.
• Missing payments, defaults, or flags can lower the score quickly.
• New accounts start with conservative caps until more history is visible.

What the score is not

The reputation score is not a guarantee of repayment and not financial advice. It is one tool for understanding risk and must be combined with your own judgment.

If you build or integrate with P3 programmatically, see the Developer Center and the OpenAPI spec.