Seed data from Thomas's policy observations. Needs re-verification.

Name: Credit Scorecard Password Policy Grade
Item: Credit Scorecard
Rating: 8
Author: PassFail.wtf Community

Final grade

rubric v1.1

83/110

75% · pass

20/20

8/25

20/20

15/15

0/10

Tested · 2026-01-01

Verified · 0 independent testers

Agreement · 0% of 0 votes

Scorecard

Ten categories, 110 points, NIST SP 800-63B aligned.

01.

20 / 20

Password Length Policy

8–64 chars — one of the few financial services with a sane max

02.

20 / 20

Character & Composition Rules

03.

8 / 25

Multi-Factor Authentication

SMS 2FA available

04.

20 / 20

Anti-Pattern Penalties

05.

15 / 15

Password Manager Compatibility

06.

0 / 10

Breach Response & Credential Hygiene

Help the community by testing this policy yourself. Earn +5 karma for each verification.

Grade valid 6 months from test date · submitted 1mo agopassfail.wtf/site/credit-scorecard