Models & Scores

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Understanding Validation Samples Within Model Developm...

An introduction to the different types of validation samples Model validation is an essential step in evaluating and verifying a model’s performance during development...

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Is that consumer a good or bad credit risk?...

According to our recent research for the State of Alternative Credit Data, more lenders are using alternative credit data to determine if a consumer...

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New analysis on the state of alternative credit data...

The traditional credit score has ruled the financial services space for decades, but it‘s clear the way in which consumers are managing their money...

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Designing a robust customer segmentation — Evaluation ...

In my first blog post on the topic of customer segmentation, I shared with readers that segmentation is the process of dividing customers or...

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Designing a Robust Customer Segmentation — Generation ...

Marketers are keenly aware of how important it is to “Know thy customer.” Yet customer knowledge isn’t restricted to the marketing-savvy. It’s also essential...

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4 Types of Alternative Credit Data You Should Be Using...

Alternative credit data sources make it possible for lenders to gain a more holistic view of existing and potential client bases, enabling them to...

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Industry’s first tri-bureau trended attributes to help...

Traditional credit attributes provide immense value for lenders when making decisions, but when used alone, they are limited to capturing credit behavior during a...

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Trended attributes: key to segmentation strategy devel...

Today’s consumer lending environment is more dynamic and competitive than ever, with renewed focus on personal loans, marketplace lending and the ever-challenging credit card...

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Use of Swap Sets to Measure Impact of Model Changes...

You just finished redeveloping an existing scorecard, and now it’s time to replace the old with the new. If not properly planned, switching from...

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Should social media be used as a factor in credit deci...

In 2017, 81 percent of U.S. Americans have a social media profile, representing a five percent growth compared to the previous year. Pick your...

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Open up a whole new world of growth with APIs...

We use our laptops and mobile phones every day to communicate with our friends, family, and co-workers. But how do software programs communicate with...

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Benefits of credit scoring options...

Looking to score more consumers, but worried about increased risk? A recent VantageScore LLC study found that consumers rendered “unscoreable” by commonly used credit...

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Advanced credit risk scores...

Lenders are looking for ways to accurately score more consumers and grow their applicant pool without increasing risk. And it looks like more and...

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Risk models stand the test of time...

As credit behavior and economic conditions continue to evolve, using a model that is validated regularly can give lenders greater confidence in the model’s...

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Creditworthy today but maybe not tomorrow...

A recent study by VantageScore Solutions, LLC analyzed if consumers would continue to be creditworthy over time. Highlights about consumer credit score migration over...

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