What a credit score measures
Credit scoring models, produced by credit bureaus, read payment history, balances, account age, credit mix, and recent inquiries. That is a real signal, and for lending decisions it is the right one. Hub or Dub is not a credit bureau and does not produce credit scores.
It is also blind to most of a person's life. Someone with no borrowing history is invisible to it, and a spotless payment record says nothing about litigation, licensing status, or regulatory actions.
What a reputation score measures
A reputation score reads the verified public and firsthand record: court outcomes, regulatory findings, licensing standing, business conduct, and authenticated firsthand reports that survived human review.
The HOD Score runs from 0 to 1,000. Every claimed file starts at 0 and is built upward by submitting verifiable documentation that a human reviewer confirms. Nothing counts until it is verified, and rejected items never touch the score.
Why it updates continuously
Reputation is not an annual event. As new verified evidence lands and old matters resolve, the score moves in real time as each change clears verification.
That also means correcting a problem shows up. A resolved matter, a restored license, or a successful dispute changes the number rather than sitting frozen until the next cycle.
What it is not
It is not a rating of whether someone is a good person, and it is never built from opinion, bias, or personal judgment. Anonymous complaints, unverified allegations, and anything an investigator could not tie to source evidence are excluded entirely, and Hub or Dub does not permit discrimination or retaliation in any score.
It is also not a substitute for a credit decision. Lenders should use credit bureau data for credit. A reputation score answers the questions credit data was never designed to answer.