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Trends in Credit Scoring and Model Development Product Image

Trends in Credit Scoring and Model Development

  • Published: April 2013
  • Region: Global
  • 20 Pages
  • Mercator Advisory Group

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  • 1010 Data
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New Mercator Advisory Service report explores scoring products and emerging modeling techniques

A report by Mercator Advisory Group presents research that will help payments industry participants understand the basics of credit scoring and scoring model development, as well as the best practices and evolving methods being used by lenders and scoring vendors for deployment of scoring products.

Mercator Advisory Group's new report, Trends in Credit Scoring and Model Development, also examines market dynamics that have impacted credit risk in the U.S. over the last five years and the ways these shifts have impacted consumer credit scores.

"The ubiquity of credit scores and the relative obscurity of the processes that determine those scores is one of the more intriguing juxtapositions in the financial world. Though many consumers in the "banked" population in the U.S. can recite their credit scores from memory due to the broader access that credit bureaus have granted in recent years, probably only those who work in statistical science could take a meaningful stab at how each score is really determined," David Fish, senior analyst in Mercator Advisory Group's Fraud, READ MORE >

Executive Summary

Introduction

Scoring Model Development and Implementation

Credit Scoring Products in the U.S

Trends in Credit and Credit Scores
U.S. Charge-offs and Delinquencies Continue to Stabilize
U.S. Credit Scores Improving (Sort of)
An Intelligent View from a Different Vantage Point

Credit Scoring: Best Practices and Evolving Methods
Model Governance and OCC Compliance
Using Big Data and Alternative Data
Express Portfolio Review
Attribute Development Solutions

Conclusions
Putting the Beer Next to the Diapers: Analytics Facilitate Predictive Correlations
New Sherriff in Town
Alternative and Supplemental Scores are Poised for Wider Adoption
Copyright Notice

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