Privacy-first payment signal. Gray means insufficient eligible history; red means an overdue payment has been reported; yellow indicates a late-paid or other cautionary record; green means the eligible records are marked paid on time. Unknown payment timing is treated cautiously. A color alone is not proof of creditworthiness. The color reflects only explicitly consented, non-disputed, network-eligible records from other merchants. Reporting shops are never identified. More details (amount, due date, days overdue) require one of two free monthly detailed checks or an active subscription. This is not a credit bureau score, a fraud finding, or a recommendation to deny a customer service. Privacy notice.