Credit Scoring and Its Applications¶
Thomas, L. C., Edelman, D. B., & Crook, J. N. (2002). Credit Scoring and Its Applications.
Cited by¶
1 citation across 1 artifact.
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Primes¶
- Calibrated Rule versus Moving World
- The fitted rule is a scorecard that maps an applicant's features (income, debt, employment history, payment record) to a default probability, calibrated on years of loan-performance data from a stable economic expansion (the calibration distribution).
This sourceStandard reference on credit scorecards, their calibration to historical loan performance, and decay when the economic regime and applicant population shift.
- The fitted rule is a scorecard that maps an applicant's features (income, debt, employment history, payment record) to a default probability, calibrated on years of loan-performance data from a stable economic expansion (the calibration distribution).
Verification¶
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