Models & Scores

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Machine learning (ML), the newest buzzword, has swept into the lexicon and captured the interest of us all. Its recent, widespread popularity has stemmed...

September 12, 2018 by Alan Ikemura

The August 2018 LinkedIn Workforce Report states some interesting facts about data science and the current workforce in the United States. Demand for data...

September 5, 2018 by Diana Wolcott

As I mentioned in my previous blog, model validation is an essential step in evaluating a recently developed predictive model’s performance before finalizing and...

July 5, 2018 by Reuth Kienow

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...

June 18, 2018 by Reuth Kienow

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

May 25, 2018 by Guest Contributor

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...

May 21, 2018 by Kerry Rivera

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

April 27, 2018 by Reuth Kienow

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...

April 26, 2018 by Reuth Kienow

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

April 26, 2018 by Sacha Ricarte

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

February 28, 2018 by Traci Krepper

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...

February 19, 2018 by Craig Wilson

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...

January 7, 2018 by Reuth Kienow

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...

October 18, 2017 by Kerry Rivera

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...

September 7, 2017 by Sacha Ricarte

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

December 8, 2016 by Guest Contributor