Credit Scoring Survey

Thank you for participating in our Credit scoring survey

The survey is conducted by the company Goscore AS which develops a more accurate and fair credit score.
We would like to know what is your experience in applying and obtaining loans. Your answers will help to change the financial services for loan application for the better.

We guarantee the anonymity of your data.
We are conducting this survey anonymously. You don't need to indicate your first name, last name, or phone number. The survey data is used in a generalized form and stored in the internal Goscore AS database, accessible only to employees.

Survey duration: 2 minutes

1. How many loans (any type) do you have at the moment?

1 loan;

2 loans;

3-4 loans;

more than 4 loans;

I didn't apply (never got) for loans;

I got loans earlier, but now I don't have loans;

I once applied for a loan, but I was rejected.

Please select 1 answer that is most suitable for you.

2. How many consumer loans do you have at the moment?

1 loan;

2 loans;

3-4 loans;

more than 4 loans;

I didn't apply (never got) for loans;

I got loans earlier, but now I don't have loans;

I once applied for a loan, but I was rejected.

Please select one answer that is most suitable for you. By consumer loan, we mean all types of credit cards (from banks and stores), loans for the purchase of household appliances or mobile phones.

3. Have you ever been rejected when applied for a loan?

Yes, when applied for a credit card;

Yes, when applied for a consumer loan (to buy household appliances or mobile phone);

Yes, when applied for a loan to buy a car or boat;

Yes, when applied for a mortgage;

Yes, when applied for a student loan;

No, I always got loans;

No, I have never been applied for a loan.

Please select all the answers that suit you.

4. In case of rejection in getting a loan, did you get any reason for the rejection?

Yes, low or no income;

Yes, a large number of current loans;

Yes, I’ve asked for loan amount larger than allowed by bank;

Yes, access to my credit report closed;

Yes, credit violations (late payment, open affairs with collection agencies, bankruptcy);

No, I have never got any reason for the rejection;

No, I have never been rejected or applied for a loan.

Please select all the answers that suit you.

5. What types of loans do you currently have?

student loan;

credit cards;

consumer loan;

car/boat loan;

mortgages;

I don't have any loans.

Please select all the answers that suit you.

6. How many payment accounts (debit or credit) do you currently have?

1 account;

2-3 accounts;

4 or more accounts.

Please select 1 answer that is most suitable for you.

7. How many savings or pension accounts do you currently have?

1 account;

2-3 accounts;

4 or more accounts;

Don't have such accounts.

Please select 1 answer that is most suitable for you.

8. When was the last time you checked/got your credit score/credit report?

last month;

last 6 months;

last year;

more than last year;

never.

Please select 1 answer that is most suitable for you.

9. When you want to get a new loan, what kind of sources do you use for that?

	Your bank (website)	Mobile banking	Search (finansportalen etc.)	Family/ friends	Social media advertising	TV advertising
Priority 1
Priority 2
Priority 3
Priority 4
Priority 5
Priority 6

Please prioritize the following sources, where Priority 1 - the most frequent, Priority 6 - the less.

10. What types of financial mobile app do you use?

Mobile banking;

Digital bank (Revolut, N26, Brabank, Monese, etc.);

Financial apps (vipps, tink, payr, etc);

Don't use financial mobile apps.

Please select all the answers that suit you.

11. What types of mobile app features are you interesting in the most?

	Getting a new loan	Fast repayment of current loans	Credit score/ report checking or details	Spending analysis	Saving/ pension features	Investing/ trading features	Financial advisor
Priority 1
Priority 2
Priority 3
Priority 4
Priority 5
Priority 6
Priority 7

Please prioritize the following features, where Priority 1 - the most interesting, Priority 7 - the less.

Some information about you for creating a user profile.

The information is used only for the analysis of this survey.

12. Your gender

male;

female;

other.

As we said earlier, the survey data will be used in a generalized form. If you want to get a final report on the results of this survey, please leave your email below, and we will send you a report as soon as it is ready.

Email for getting a final report

If you don't want to get a final report, just click on the button "Submit".