Income and Credit Rating

==Income==
Roll a 1d10 and consult the (modern era) income chart on page 37 of the book.
Income is your yearly salary, and your sum of starting funds on hand.
==Credit Rating==
A credit rating evaluates the credit worthiness of the character. It is an evaluation made by a credit rating agency of the debtor's ability to pay back the debt and the likelihood of default, and has very little connection to the actual resources or income of the character. You may convert income toward credit rating, but it is a permanent offset to your income.
If you fail a credit rating check, it decreases by 5%.
If you critically succeed (rolling 01) on a credit check, it increases by 5%.
==The Resources Merit==
The Resources merit indicates significant savings, a trust fund, IRA, or other form of nest egg. It is essentially ‘secure’ money, whereas your Income and Credit Rating are highly fluid and can change significantly based on your expenditures and acquisitions.
==Differences between the 3==
===Income===
You might uncover a few thousand dollars cash on hand from busting up some coke dealers, but that’s still fluid cash and unlikely to make much of a difference in your finances in the long-term.
===Resources===
Resources 5 means you were likely born wealthy and will always continue to be so.
===Credit Rating===
Credit is a dangerous but powerful source of flexible funds, as failing a roll can decrease your rating. If you miss a payment or overdraft your account, you just don't have great credit until you throw money at it.
Category:CoC Conversion Rules