About Peter Bolin

Peter Bolin is Director of Analytics Consulting for Experian Business Information Services. He consults with clients on new product development, scorecard implementation, data analysis and fraud.


Posts by Peter Bolin

How is my commercial credit score calculated?

Posted on Oct 03 2011 by

When consulting with our clients, one of the most frequent questions I get is how much impact does each variable have on the Intelliscore Plus Score?   Today, I will attempt to answer this question, without giving away our “secret sauce”. Variables affecting a commercial credit score, like Intelliscore Plus, are broken down into three key […]

Business collections prioritization: check out Experian’s second phase in a two phase approach.

Posted on Aug 08 2011 by

In a previous post I advanced the first of a two phased cross matrix approach to prioritizing commercial collections.  In this second post in a two part series, I’d like to expand on this idea. Phase 2 – Collection Priority Intelliscore and Activity Age Indicator   In a previous post, I advanced the first of […]

Business collections prioritization: The first phase in a two phase approach.

Posted on Jul 29 2011 by

In a previous post I advanced the idea of using a cross matrix approach to prioritizing commercial collections.  In this first post in a two part series, I’d like to expand on this idea. Phase 1 – Portfolio Scoring with Commercial Collection Priority Intelliscore The Collection Priority Intelliscore (“CPI”) was built to predict the likelihood […]

Custom versus Generic scorecards? That is the question.

Posted on Jul 11 2011 by

One of the most frequently asked questions posed to me by clients is: Do I need a custom scorecard? To answer that question, let’s first start with the benefits of a custom scorecard (or model).  Here are a few of the best things about a custom scorecard: 1) Increased model performance. Typically a custom scorecard […]

Is your state in the Top 5? The business credit risk trifecta revisited!

Posted on Jun 23 2011 by

In my very first post to this blog, I advanced the notion of “the credit risk trifecta” and how there are three general factors that contribute to a business credit score.  Well, I thought I’d follow that up with a sample of real data from Experian’s BizSource database.* The following tables represent the mean values […]

How to prioritize collections in a challenging economy?

Posted on Jun 02 2011 by

Given the current economic state of affairs, the need to develop an effective collection strategy has never been greater.  Unfortunately, the quantity of collection accounts has never been higher and the demand to prioritize which accounts get selected for additional recovery procedures becomes very difficult.  The good news is there are three industry best practices […]

What key factors impact a business credit score?

Posted on May 04 2011 by

There are a number of factors that impact business credit risk scores.  Keep in mind that most risk models are built using multivariate statistical methods that not only look and each attribute but also look for the interaction between the attributes.  However, there are three general factors that will impact a business score. Recency:  How […]