Twenty-four ordinary lives. Meet a face, then follow its possible path through a year of changing credit circumstances.
01 / THE PEOPLEHOVER TO MEET · CLICK TO SPIN · DRAG TO TURN
02 / THEIR JOURNEYS
Every path, at once.
Follow 24 scores from 300 to 850. Bills, setbacks and recoveries pull each life away from the group average.
12-MONTH SIMULATION / 24 LIVESMONTH 00 OF 12
TEACHING SCORE · 300–850Group mean 730Click a line to open a file
00 / 12
GROUP MEAN730+0 since start
LIFE HAPPENSPRESS PLAY TO FOLLOW THE YEAR
24 starting points. Pay rises, missed payments, repairs and recoveries will change the picture. Watch the paths separate.
FOLLOWING
Alex,urban planner
36 YEARS · USA · RENTING
MONTH 00 / TEACHING SCORE753+0 SINCE START
THIS MONTH
Starting circumstances
The chart uses the 300–850 range of general FICO scores, but calculates an invented teaching index. The dashed line is this group's mean, not a national average. The broader model is a hand-coded heuristic, not trained AI. These scenarios concern fictional people, not predictions or lender scores. For France this is a teaching index, not a consumer credit score.