# person_credit # 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. |