---
title: A credit score is a rating of how reliably someone pays; missing pay… — Borrowing and debt · tree and pragmatics
description: A credit score is a rating of how reliably someone pays; missing payments lowers it and makes borrowing harder and dearer. Who acts: credit score, someone, missing payments. A sentence of the lesson «Borrowing and debt» of the adult life course of Mova's primary school with its dependency tree and t
---

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# Borrowing and debt, sentence 18

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A credit score is a rating of how reliably someone pays; missing payments lowers it and makes borrowing harder and dearer.

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**Who acts:** credit score, someone, missing payments · **What happens:** be, pay, lower, make · **To what, where:** rating, score, borrowing

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This is a sentence of the lesson «Borrowing and debt» of the adult life course of Mova's primary school. The page gives its syntax tree — a dependency tree in the style of Universal Dependencies — and its pragmatics clause by clause: who acts (credit score, someone, missing payments), what happens, when and where, as Mova's frames read it from the tree.

## The tree {#tree}

```conllu
# sent_id = school:adult-life:008-borrowing-and-debt.lesson:18
# text = A credit score is a rating of how reliably someone pays; missing payments lowers it and makes borrowing harder and dearer.
# source = school lesson (ours)
# course = adult-life
# lesson = 008-borrowing-and-debt.lesson
# annotation = Mova annot: Rust (en) → Haiku 5.5 (medium, Batches API) patches; gates UD 2.18; agreed by treeagree rules (Stanza, Trankit, spaCy trf): R7-rel-agree ×1, R8-pos-agree ×1
1	A	a	DET	DT	Definite=Ind|PronType=Art	3	det	_	_
2	credit	credit	NOUN	NN	Number=Sing	3	compound	_	_
3	score	score	NOUN	NN	Number=Sing	6	nsubj	_	_
4	is	be	AUX	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	6	cop	_	_
5	a	a	DET	DT	Definite=Ind|PronType=Art	6	det	_	_
6	rating	rating	NOUN	NN	Number=Sing	0	root	_	_
7	of	of	ADP	IN	_	11	case	_	_
8	how	how	ADV	WRB	PronType=Int	9	advmod	_	_
9	reliably	reliably	ADV	RB	_	11	advmod	_	_
10	someone	someone	PRON	NN	Number=Sing|PronType=Ind	11	nsubj	_	_
11	pays	pay	VERB	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	6	nmod	_	_
12	;	;	PUNCT	,	_	15	punct	_	_
13	missing	missing	ADJ	JJ	Degree=Pos	14	amod	_	_
14	payments	payment	NOUN	NNS	Number=Plur	15	nsubj	_	_
15	lowers	lower	VERB	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	6	parataxis	_	Agree=R7-rel-agree|Haiku=6:conj
16	it	it	PRON	PRP	Case=Nom|Gender=Neut|Number=Sing|Person=3|PronType=Prs	15	obj	_	_
17	and	and	CCONJ	CC	_	18	cc	_	_
18	makes	make	VERB	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	15	conj	_	_
19	borrowing	borrowing	NOUN	NN	Number=Sing	18	obj	_	Agree=R8-pos-agree|Haiku=18:obj|HaikuPos=VERB:VBG:VerbForm=Ger
20	harder	hard	ADJ	JJR	Degree=Cmp	18	xcomp	_	_
21	and	and	CCONJ	CC	_	22	cc	_	_
22	dearer	dear	ADJ	JJR	Degree=Cmp	20	conj	_	_
23	.	.	PUNCT	.	_	6	punct	_	_
```

## Pragmatics {#pragmatics}

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No stored speech act for this sentence.

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| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **is a** | present | a credit score | a rating |  |  |  |  | tree rules |
| 2 | **pay** | present | someone |  |  |  |  | reliably *property* | vn pay-68-1 «NP V NP»: agent=Agent |
| 3 | **lower** | present | missing payments | score |  |  |  |  | vn put\_direction-9.4 «NP V NP»: agent=Agent it=Theme |
| 4 | **make** | present | missing payments *not said here* | borrowing |  |  |  | hard *property* | vn build-26.1-1 «NP.asset V NP»: agent=Asset borrowing=Product |

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One row per clause the reader finds. «not said here»: a role filled from the clause above. «roles by»: a VerbNet class and frame when one fits the verb, else the reader's rules on the tree.

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**Licence: [CC BY-SA 4.0](https://creativecommons.org/licenses/by-sa/4.0/)**, as the whole of Mova corpus 0.4, of which this treebank (the agreed school, `mova-school-agreed-en.conllu`) is part. The lessons were written for Mova's primary school. Sentence `school:adult-life:008-borrowing-and-debt.lesson:18`.

**The tree:** Mova annot: Rust (en) → Haiku 5.5 (medium, Batches API) patches; gates UD 2.18; agreed by treeagree rules (Stanza, Trankit, spaCy trf): R7-rel-agree ×1, R8-pos-agree ×1. **The frames** are read from the tree by Mova's frames reader (`prag`) when this page is built, the lesson read in order, so a pronoun may be resolved from an earlier sentence.

See the [release 0.4](https://md.mova.elamur.ai/free/en/releases/0.4/).

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- ← previous: [Borrowing and debt, 17](https://md.mova.elamur.ai/free/en/corpora/school/adult-life/8-borrowing-and-debt/17/)
- next →: [Borrowing and debt, 19](https://md.mova.elamur.ai/free/en/corpora/school/adult-life/8-borrowing-and-debt/19/)
- ↑ back to [the lesson](https://md.mova.elamur.ai/free/en/corpora/school/adult-life/8-borrowing-and-debt/)