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Credit scoring
Credit scoring
Credit scoring
Credit scoring
Credit scoring
Credit scoring
Credit scoring
Credit scoring
Credit scoring
Credit scoring
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Credit scoring

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  • 1. Credit Scoring
  • 2. Credit scoring A credit score is a numerical expression based on a statistical analysis of a person's credit files, to represent the creditworthiness of that person. A credit score is primarily based on credit report information typically sourced from credit bureaus.
  • 3. USES OF CREDIT SCORING  Lenders, such as banks and credit card companies, use credit scores to evaluate the potential risk posed by lending money to consumers and to mitigate losses due to bad debt.  Lenders use credit scores to determine who qualifies for a loan, at what interest rate, and what credit limits.  Lenders also use credit scores to determine which customers are likely to bring in the most revenue  Credit scoring is not limited to banks. Other organizations, such as mobile phone companies, insurance companies, landlords, and government departments employ the same techniques.
  • 4. SOME FACTS ABOUT CREDIT SCORING The use of credit or identity scoring prior to authorizing access or granting implementation of a trusted system. credit is an Credit scoring also has a lot of overlap with data mining, which uses many similar techniques.
  • 5. 5 Cs of Borrowers in credit scoring
  • 6. A simple example of credit scoring
  • 7. Credit Scoring at different stages
  • 8. Marketing Score (4Ps)
  • 9. Application Scoring
  • 10. TYPES OF SCORING Targeted Scoring Internal and external scoring Counter party and facility scoring

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