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Thin File Analysis 2- How the old way makes credit scoring nearly impossible to be accurate Scoring from350-850 for a 18-24 year old college student is inaccurate
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Old Credit Analysis Technique: Simple Scoring System. Scoring from 350-850 for a 18-24 year old college student is inaccurate. f(a, b, g) pick a score along " f " Problem: Young adults have “thin credit files” which makes scoring difficult Solution: Utilize supplemental info (Barrons, loan repayment history, employ figures, past charge offs) to build “” or applicant profile fund Main | Next>>
Old Credit Analysis Technique: Simple Scoring System. Scoring from 350-850 for a 18-24 year old college student is inaccurate.
pick a score along " f "
Problem: Young adults have “thin credit files” which makes scoring difficult Solution: Utilize supplemental info (Barrons, loan repayment history, employ figures, past charge offs) to build “” or applicant profile fund
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