Data Facts Lending Solutions Blog

How the “Scorecard” You’re on Could Impact Your Credit Score

Posted by Matt Holmes

May 26, 2020 9:54:04 AM

More than a half century ago, Bill Fair and Earl Isaac- the statisticians behind the original credit scoring formulation- reviewed a set of over 1 million consumers who opened loans at the same time. The credit profiles of these consumers, particularly those who defaulted on the loans, were examined to identify common variables they exhibited at the time they applied for the loan.

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Topics: Credit Report, Scorecards

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