SCORECARD MATRIX- An additional axis (epsilon) is compiled from debit activity information. An example would be ATM withdrawls, cell phone records, Internet service records, private club memberships, pre-pay product cards, apartment rental payments, etc. The "f" function has the credit applicants information (employement, loans (if any), address, post code, etc)

DEFINE - By adjusting the slope "P", you define your axis of emphasis.

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