Xem 1-6 trên 6 kết quả Credit scoring works
  • When I first started writing about credit scores more than a decade ago, few people knew what these three-digit numbers were or how they worked. Today most people have at least a vague understanding that credit scores are important. But they often don’t realize how important—until they get turned down for a loan or an apartment, or wind up paying more interest or higher insurance premiums than they expected.

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  • The primary purpose of this study is to measure the level of disproportionate impact between credit scores and race/ethnicity, and credit scores and socioeconomic status. Disproportionate impact is defined as the bivariate relationship between credit scores and the independent variable of interest, such as race/ethnicity or income. That is, for purposes of measuring the level of disproportionate impact, no attempt is made to control for possible confounding variables, or factors that might explain a disproportionate impact should one be identified.

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  • This eBook is licensed for your personal enjoyment only. This eBook may not be re-sold or given away to other people. If you would like to share this book with another person, please purchase an additional copy for each person you share it with. If you’re reading this book and did not purchase it, or it was not purchased for your use only, then you should purchase your own copy. Thank you for respecting the hard work of the author. Copyright © 2011 Increase Your Credit Score By Knowing Your Credit Card Company Upload Dates by Monica Rich. All rights reserved,...

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  • During the second half of the 1990s, mortgage underwriting increasingly incorporated credit scores and other automated evaluations of credit histories. As of 1999, approximately 60 to 70 percent of all mortgages were underwritten using an automated evaluation of credit, and the share was rising2 . The automated quantification of the information in credit reports has not simply been used to decide whether or not to extend credit, but has also been used to set prices and terms for mortgages and other consumer credit.

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  • Supporters of credit scoring note that credit scores have statistical validity, and are predictive of repayment behavior for large populations. However, this does not mean that credit data are error free, nor that credit scoring models are perfect predictors of individual creditworthiness; it only means that they work on average. While the systems do present an accurate risk profile of a large numbers of consumers, data users who manage large numbers of accounts priced by credit risk have a greater tolerance for errors in credit scoring systems than consumers do.

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  • If you’re like many individuals, you don’t fully appreciate how essential good credit and money management are until you need them. Perhaps you’ve been renting an apartment for several years, but now you’d like to buy a house. Maybe it’s just not worth fixing your 10-year-old car, but you need a way to get to work so you need a car loan—fast! Or suppose your house has a damaged roof and the cost of repairs exceeds your savings.

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