-==-Credit of EcoCityCraft-==-

Have you ever wondered if you could truly trust another player with a loan, or to do a task for you? Have you ever tried work with someone and they denied you due to your rank, or just for the fact they don't trust you at all? Has your name ever been slandered, even though you(in your mind) believe you are trustworthy and want others to know? There is an answer to that, that is a Credit score. May I introduce to all of ECC the Credit of EcoCityCraft. This organization's task is to record and monitor player's credit scores. One maybe wondering, “How are you going to do that?” The answer is simple, each player(who is willing to) will make an application, fill it out completely and honestly. Now what a player's credit score is based on the following: rank, donations(non-cosmetic), bank balance(not /bal, only /bank bal) earnings, star tools, stock investment, plots(size included), towns(original owner or owner), time to pay off loans, and overall background. Any complaints, scam reports, overtime on loans, failure to pay loans, and any other offenses committed can be counted against the player and hinder their credit score(You will not be slandered by the Credit Bureau for having these on you). Once a player submits an application, it will be looked over, an estimation will be added up, calculated (based on a system developed to label the credibility and trust) and he will be given his credit score and credit ID number. One may also be wondering why the balance will be not be included, the reason is only because a player's balance fluctuates and should not be considered as a form of credit.

Once all the information is gathered, and added up, a player's credit score and ID will be issued to them. The credit score will only be known to the Bureau, a bank corporation, and the player himself. If another player wishes to know someone's credit score, they will be denied, even if they want to know if they are trustworthy based on the number. If a player asks if another player is trustworthy, I will say yes, no, or they are in the middle(meaning it is up to that player's discretion). The credit system will have a range of 0-2500, 0 being the worst and is very untrustworthy or 2500 being the best and is very trustworthy. Here is a scale of credit that a player can reference to see if they are trustworthy.

0-250 ~ Not Trusted at all.

251-500 ~ Should be in question on their trust.

501-1250 ~ Still should be questioned on the trust, and may or may not be trustworthy.

1251-1750 ~ Trust should be decided up to the player who wants the information.

1751- 2250 ~ Should be fine and trustworthy

2251-2500 ~ Is very trustworthy and is respected.


Scale for Banks giving loans to players.

0-250 ~ Do NOT ever give loan.

251-500 ~ Do NOT loan.

501-1250 ~ Should be decided by the bank, if accepted, must have double charge on interest.

1251-1750 ~ Should be decided by the bank, if accepted, must have one and a half charge on interest.

1751-2500 ~ Is trustworthy and definitely qualifies for loans, interest is decided by bank.


In order to apply, one must fill out an application and send it to me in a message, Do NOT post it as a reply in this thread. Your information as far as what you list will be confidential and will not be shared with other players. A player's credit is able to be changed based on complaints, rank ups(excluded side ranks), being in ECC staff, donations, towns, or star tools. If any of the listed in previous sentenced is added onto the player, they may re-apply for a credit score and only pay half the original price for the application.

When you look at the application, you may wonder why is all of this important. It is important to know all this information so that I may be able to calculate your Credit score, not just based on your name or rank. This also will pertain to ECC staff members who do apply, no matter the rank.

Your name, even though I will see your name when you apply, it is still helpful to know what your name is in the server and not just on the website(although it maybe the same).

Your rank will also play a key role because it shows how much you are experienced on ECC(even though you could have earned the ranks quickly). Your rank still shows how much you worked to earn it(builder does not count since it is first rank).

Your Donation features will also give you a bonus in your credit score, because it will count as a form of earnings in small jobs like repairs, lift signs, et cetra. Even Fly will count, but donations that only benefit you only like pets will not count. These donations will also build on the trust as well due to the fact you were willing to commit to this server monetarily.

Your investments into the stock market will also be an asset to you, just as a town is, it builds value when the price of stocks go up, it is profit. Sportsbook unfortunately will not be a version of credit since it is a form of gambling.

Your average earnings will count as credit. Why it is daily is so that I can take that, multiply it by 365.25(.25 counting as the 4th year as a leap year) and see that is how much you make yearly. When you do rank up and/or buy donations, it may change, you will need to make another application if it increases in a significant amount.

Your star tools are similar to your donation features, since they can make jobs or tasks easier and more efficient, such as mining, you would make more money mining with an Efficiency 7 pickaxe than a Efficiency 5 pickaxe. Same with the other tools.

Your plots are also important to your credit since you use them for living or making money. Their size is also important because you will have more use out of them.

Your towns are form of asset, which in turn can be used for personal use like a private home, display, residential, stores, or a large farm. Most of which make you money. When you apply, specify what you use your for, so that way the value for each could range from $40,000-80,000 depending on what its use is for.

What you owe on a loan will affect your credit. If you owe quite a bit of money it will lower your credit, because if you accumulate quite a bit of debt, it will ruin your credit and trust. It is best to be very honest about the application, if you lie at all, I will mark your credit very low. No matter how much loan is, I would like to know for your credit score for future reference with others. Once the debt is paid off, your credit will go up, but if you go past the due date and have to pay late fees it will lower the score a little bit.

Lastly is the reports filed on you. This is the big thing that slanders people's name, such as cheating, scams, trolls, or griefing. Listing what was set against you will be the last determining fact in your credit score. After all these things are listed and added up, you will be given your credit score and credit score account number card.


FORMAT FOR APPLICATION(Fill in each question correctly and honestly, then send it in a private message to me to be reviewed.): ONCE AGAIN, DO NOT APPLY IN THIS THREAD, ONLY APPLY Via CONVERSATION.

Spoiler: Application Format

What is your IGN? What is your rank(if a member of staff, place staff rank and normal rank)?:

What donation features do you have(non-cosmetic and SG Kits count)?:

What do you have invested into the Stock Market?:

What is your average daily earnings? How do you make these earnings?:

What star tools do you currently own?:

How many plots do you own, what are their sizes?(Length and width):

How many towns do you own? How many towns do you own that you purchased from other players?(List separately from the officially owned towns):

Do you currently owe on a loan, if so, how much and what is time you applied for it and it's due date?:

Have you always paid your loans off in time? Have you ever gone past the loan's due date?:

What complaints/bans do you have on you, and what were they for?(LWC's do not count):

Do you understand, depending on how many applications are made, your application may take time to process and be accepted? Are you willing to wait?

PRICES FOR EACH APPLICANT:

$$$EcoLegends$$$/$$EcoMasters$$/Server Admins ~ $7,500

$EcoLeaders$/GameAdmins ~ $3,750

Tycoons/SuperMods ~ $1,500

Presidents/Moderators ~ $750

Mayors ~ $500

Residents ~ $250

Builders ~ $100

 

Not a problem, this will be a new era for ECC!

 

@JimmyZ0811, please put this as a conversation to me. You are not to apply as a reply here.

 

@imSwag__ , "In order to apply, one must fill out an application and send it to me in a message, Do NOT post it as a reply in this thread." Is that not good enough? ;-;