We monitor lending companies on an ongoing basis, and we update the Mintos Risk Score for Notes for each company quarterly. Based on the results and findings, subscores are upgraded or downgraded, which can lead to an upgrade or downgrade of the Mintos Risk Score. When there are important changes related to specific underlying loans (material improvement or deterioration such as a suspension or default of the loan issuing company), the related subscores and Mintos Risk Score are updated outside of the regular schedule. You can find the latest update as well as an overview of historical updates of the Mintos Risk Score on our Mintos Risk Score updates page.