Abstract: A computer-implemented method, a system and computer programs products for assessing the credit worthiness of a user, the method comprising: collecting, by a data collector, information about communications conducted by users' of a communication network, the collected information at least comprising Call Detail Records including calls; analyzing, by a computing system, during a specific time frame, the collected information regarding a particular user including communications' started by the particular user and/or communications' received by the user, and determining, data variables from the analyzed information, the data variables including at least communication patterns; and computing, by the computing system, both a default risk score and a fraud risk score of the user by using the determined data variables.