Credit Score and Payment Score are two distinct indicators of an individual's creditworthiness, each designed for a specific purpose.
Credit Score is a global evaluation, rated on a scale from 0 to 1000, based on the individual's long-term financial behavior, and defining as default 3 consecutive months of unpaid debts within the first 12 months of repayment.
Payment Score is an evaluation rated on a scale of 1 to 10. It focuses on the probability of default within 3 months of aggregation, and considers 1 month of non-payment within these 3 months as a default.