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.
Supported in partVerified against the work's full text
The book's chapter excerpts describe scorecards built from large samples of past customers' credit histories that score applicant characteristics for risk of being bad.
“Many of the methods lead to a scorecard, where the characteristics are given a score and the total of these scores says whether the risk of a consumer being bad is too great to accept.”
- 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).
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