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All Discussions Tagged 'Credit' (3)

Discussions Replies Latest Activity

Credit Risk Scorecards Points Calculation

We use linear scaling to calculate score/points for an applicant. Now, if we were to determine the number of points for each attribute of a…

Started by RockyRambo

3 Jul 22, 2013
Reply by Sriram Bhagavatula

Using a Hurdle Model in Credit Scoring

Has anyone used or have thoughts on using a 2-step hurdle model to address the imbalance of "GOODS" vs "BADS" often present in a sample of…

Started by Michael H

0 Jun 20, 2013

Macro Data in Credit Scorecard Models

I was wondering if anyone has found any success in using external macro data (i.e. per capita income, unemployment rate, foreclosure data)…

Started by Michael H

1 May 11, 2013
Reply by Jeffrey Ng

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