HH Credit

The custom financial identity layer and how it changes access, debt, and progression.

What it is

HH Credit is the custom finance identity layer that gives the server more texture than a basic bank account. It brings credit score, borrowing, repayment pressure, and long-term financial reputation into the city.

How to get started

Move into HH Credit when your character has recurring income and a real reason to use financing as part of progression.

How it works in practice

Score rules, card access, loan terms, payment timing, missed-payment penalties, and repo pressure all shape how this system feels. It is one of the clearest examples of Hallowed Hills adding depth beyond default framework money handling.

What to know before you commit

Used well, HH Credit speeds progression. Used badly, it becomes a trap that keeps eating into your future sessions.

What this wiki leaves out on purpose

The player-facing loop is explained here without exposing internal review or case-management tools.

Covered resources

This page was written against the live resource stack below so it matches the actual systems running on your server.

HH_credit_live