person_credit
The link between a person and a credit record, held as a class of its own.
Person_credit describes properties related to a person's credit.
Why it matters
The model is flat: no class nests another, and a relationship between two classes is itself a class whose properties join them. This is one of those — it holds a person and a credit record, and nothing else.
A foreign key on the credit record would have been shorter to write and would have cost the two things this shape buys. A person can carry more than one credit record without either side changing, and the relationship can acquire its own attributes later without a migration on either class it joins.
In practice
A joint application produces several of these against one credit pull, which is the case that makes the separate class earn itself. Credit writes them as it normalises a bureau response.
Relationships
| Property | Points at | Definition |
|---|---|---|
has_credit | credit | A person can have credit. Credit is a person's ability to borrow money or obtain goods or services with the understanding that they will pay for them later. Credit is typically measured by a credit score, which is a numerical rating that reflects a person's creditworthiness based on their credit history, income, debt-to-income ratio, and other factors. |
has_person | person | A member is also a person. |