> For the complete documentation index, see [llms.txt](https://docs.3jane.xyz/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.3jane.xyz/backing/ccl/credit-underwriter/jane-score.md).

# Jane Score

Jane Score is a credit score native to the 3Jane protocol (300-1000). It consolidates the following data sources:

1. **Onchain credit scores:** Cred Score (300-1000) & Blockchain Bureau Score (400-732). Both Cred protocol and Blockchain Bureau up a robust credit underwriting framework based on on-chain activity. Combined, both credit scoring services scan over +500m address across 8 EVM chains and +100 DeFi protocols to feed +1000 features into its scoring algorithms. Model is trained on +1000 features, 54bn transactions, and 1PB of data. Every transaction you make - from pulls, repayments, liquidation, coins held, age of address, yield generated, exchanges you interacted with, etc. contributes to a user’s creditworthiness.
2. **Offchain credit scores:** TransUnion VantageScore 3.0 (300-850) and Equifax VantageScore 3.0 (300-850). This includes credit age, credit utilization, derogatory marks, num. hard inquiries, payment history, and total accounts from both credit bureaus.

> Your Jane Score may change as the Jane Score algorithm evolves.