Credit Rating

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 Credit Rating (00%) 

A measure of how prosperous and financially confident the investigator appears to be. Money opens doors; if the investigator is attempting to use their financial status to achieve a goal then use of the Credit Rating skill may be appropriate. Credit Rating can be used in place of APP to gauge first impressions (i.e. wealthier people tend to dress in more expensive clothing).

Credit Rating is not so much a skill as a gauge of financial wealth, and should not be ticked as other skills are. A high Credit Rating can be a useful resource in play, and so should be paid for with skill points when creating an investigator. Each occupation has a starting range for Credit Rating, and skill points should be spent to achieve a rating therein.

Call of Cthulhu is not a game that requires money to be carefully tracked; however, it is useful to know the bounds of an investigator's financial reach - for example, can the investigator afford to employ a team of archaeologists and workers to excavate an Egyptian tomb? An investigator's Credit Rating can change over time. Investigators of the Cthulhu Mythos are prone to insanity, and this may lead to a loss of employment and thus a lowering of the investigator's Credit Rating score. See Credit Rating and Investigator Expenditure for a more in-depth study of Credit Rating and its use.

Opposing skill/Difficulty level:


 * Regular difficulty: getting a loan from a bank or business; bypassing a demand for credentials; gaining a line of credit in a store or casino; getting the best table in a fancy restaurant.
 * Hard difficulty: obtaining credit or a loan while implicated (or found guilty) in a criminal investigation; gaining favorable attention after being vilified in the media.

Pushing examples: you offer your house and/or other valuables to secure money from a loan shark; you attempt to pressure the bank manager into giving you a loan.

Sample Consequences of failing a Pushed roll: the loan shark turns nasty and directs his boys to teach you a lesson; the bank manager calls the police; you are loaned the money, but it is a ploy to put you deeper into debt with a mobster who plans to buy you out of your debt and later call on you for a favor.


 * If an insane investigator fails a pushed roll, they lose all faith in Capitalism and begin to freely hand out their money to passersby.

(See General Living Standards for more details)