Credit Ratings

[Unknown98]

Made some changes to the formula. Credit rating now takes into account three different categories:

1. Amount Owed - How much you owe compared to how much you have (debt/asset ratio)
   
2. Payment history - How many times did you make a late payment, and what is the total value of those payments
   
3. Length of credit (airline age)
   

The 3 categories are weighted as follows: 

1. Amount owed - 45%
   
2. Payment history - 40%
   
3. Length of credit - 15%
   

So the less liabilities you have, the less payments you miss, and the longer you operate, the better your credit rating will be. If you start to miss payments or take on a lot of liabilities then your rating will start to drop.

For now, if you do not have enough money to make a payment, the payment will still be made and your cash will go into the negatives. But in the future for certain transactions like payments for new aircraft, I think what I'll do is mark the payment as late, and then push it back 1 week and try again.