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- Credit_scorecards abstract "Credit scorecards are mathematical models which attempt to provide a quantitative estimate of the probability that a customer will display a defined behavior (e.g. loan default, bankruptcy or a lower level of delinquency) with respect to their current or proposed credit position with a lender. Scorecards are built and optimized to evaluate the credit file of a homogeneous population (e.g. files with delinquencies, files that are very young, files that have very little information). Most empirically derived credit scoring systems have between 10 and 20 variables. Application scores tend to be dominated by credit bureau data which typically amounts to over 80% of the predictive power from closer to 60% in the late 1980s for UK scorecards. Indeed there has been an increasing trend to minimize applicant or non-verifiable variables from scorecards which has increased the contribution of the credit bureau data.Credit scoring typically uses observations or data from clients who defaulted on their loans plus observations on a large number of clients who have not defaulted. Statistically, estimation techniques such as logistic regression or probit are used to create estimates of the probability of default for observations based on this historical data. This model can be used to predict probability of default for new clients using the same observation characteristics (e.g. age, income, house owner). The default probabilities are then scaled to a "credit score." This score ranks clients by riskiness without explicitly identifying their probability of default.There are a number of credit scoring techniques such as: hazard rate modeling, reduced form credit models, weight of evidence models, linear or logistic regression. The primary differences involve the assumptions required about the explanatory variables and the ability to model continuous versus binary outcomes. Some of these techniques are superior to others in directly estimating the probability of default. Despite much research from academics and industry, no single technique has been proven superior for predicting default in all circumstances.".
- Credit_scorecards wikiPageID "10279219".
- Credit_scorecards wikiPageLength "2826".
- Credit_scorecards wikiPageOutDegree "11".
- Credit_scorecards wikiPageRevisionID "630916340".
- Credit_scorecards wikiPageWikiLink Category:Financial_risk.
- Credit_scorecards wikiPageWikiLink Consumer_credit_risk.
- Credit_scorecards wikiPageWikiLink Credit_bureau.
- Credit_scorecards wikiPageWikiLink Credit_risk.
- Credit_scorecards wikiPageWikiLink Credit_score.
- Credit_scorecards wikiPageWikiLink Equifax.
- Credit_scorecards wikiPageWikiLink Experian.
- Credit_scorecards wikiPageWikiLink Logistic_regression.
- Credit_scorecards wikiPageWikiLink Probability_of_default.
- Credit_scorecards wikiPageWikiLink Probit.
- Credit_scorecards wikiPageWikiLink TransUnion.
- Credit_scorecards wikiPageWikiLinkText "Credit scorecards".
- Credit_scorecards wikiPageWikiLinkText "credit scorecard".
- Credit_scorecards wikiPageWikiLinkText "credit scorecards".
- Credit_scorecards hasPhotoCollection Credit_scorecards.
- Credit_scorecards wikiPageUsesTemplate Template:*.
- Credit_scorecards wikiPageUsesTemplate Template:Reflist.
- Credit_scorecards subject Category:Financial_risk.
- Credit_scorecards hypernym Models.
- Credit_scorecards type Person.
- Credit_scorecards comment "Credit scorecards are mathematical models which attempt to provide a quantitative estimate of the probability that a customer will display a defined behavior (e.g. loan default, bankruptcy or a lower level of delinquency) with respect to their current or proposed credit position with a lender. Scorecards are built and optimized to evaluate the credit file of a homogeneous population (e.g. files with delinquencies, files that are very young, files that have very little information).".
- Credit_scorecards label "Credit scorecards".
- Credit_scorecards sameAs Skóringový_model.
- Credit_scorecards sameAs m.02q77qb.
- Credit_scorecards sameAs Q5183787.
- Credit_scorecards sameAs Q5183787.
- Credit_scorecards wasDerivedFrom Credit_scorecards?oldid=630916340.
- Credit_scorecards isPrimaryTopicOf Credit_scorecards.