635:. As of 2018, there were 29 different versions of FICO scores in use in the United States. Some of these versions are "industry specific" scores, that is, scores produced for particular market segments, including automotive lending and bankcard (credit card) lending. Industry-specific FICO scores produced for automotive lending are formulated differently than FICO scores produced for bankcard lending. Nearly every consumer will have different FICO scores depending upon which type of FICO score is ordered by a lender; for example, a consumer with several paid-in-full car loans but no reported credit card payment history will generally score better on a FICO automotive-enhanced score than on a FICO bankcard-enhanced score. FICO also produces several "general purpose" scores which are not tailored to any particular industry. Industry-specific FICO scores range from 250 to 900, whereas general purpose scores range from 300 to 850.
739:
consumer's score, the less likely he or she will go 90 days past due in the subsequent 24 months after the score has been calculated. Because different lending uses (mortgage, automobile, credit card) have different parameters, FICO algorithms are adjusted according to the predictability of that use. For this reason, a person might have a higher credit score for a revolving credit card debt when compared to a mortgage credit score taken at the same point in time.
211:
writing, and as long as the consumer asks for a printed copy to be delivered by mail. Borrowell and CreditKarma offers free credit report and credit check and this request by the consumer is noted in the credit report as a 'soft inquiry', so it has no effect on their credit score. According to
Equifax's ScorePower Report, Equifax Beacon scores range from 300 to 900. Trans Union Emperica scores also range from 300 to 900.
384:(non-payment records) that might be registered on the credit-scored individual. Upon being scored, an individual will receive a notice (written or by e-mail) from the scoring agency stating who performed the credit score as well as any information provided in the score. In addition, many credit institutions use custom scorecards based on any number of parameters. Credit scores range between 300 and 999.
396:, a person's credit score is calculated by the Irish Credit Bureau (ICB), a private organisation, financed by its members (financial institutions and local authorities). A person taking out a loan must consent to their data being given to the ICB. A person may receive their own credit report on paying a €6 fee to the ICB. Credit scores run from 224 (the worst value) to 581 (the best value).
154:, consumers must opt-in for the use of their private data for any purpose. Consumers can also withhold permission to use the data later, making illegal any further distribution or use of the collected data. Consumers also have the right to receive a free copy of all data held by credit bureaus once a year. Wrong or unlawfully collected data must be deleted or corrected.
469:(non-payment record) and by law can be stored for three years for an individual and five years for a company. This kind of nonpayment record will make it very difficult to get a loan, rent an apartment, get telephone subscriptions, rent a car or get a job where you handle cash. The banks also use income and asset figures in connection with loan assessments.
147:. Having an entry on the black list may result in the denial of contracts. Certain enterprises including telecom carriers use the list on a regular basis. Banks also use these lists, but rather inquire about security and income when considering loans. Beside these lists several agencies and credit bureaus provide credit scoring of consumers.
124:, the main provider of credit file data, provided only a negative credit reporting system containing information on applications for credit and adverse listings indicating a default under a credit contract. Veda was acquired by Equifax in Feb 2016, making Equifax the largest credit agency in Australia.
638:
FICO scores are used by many mortgage lenders that use a risk-based system to determine the possibility that the borrower may default on financial obligations to the mortgage lender. For most mortgages originated in the United States, three credit scores are obtained on a consumer: a Beacon 5.0 score
355:
credit score is a three digit number that represents a summary of individuals' credit history and credit rating. This score ranges from 300 to 900, with 900 being the best score. Individuals with no credit history will have a score of −1. If the credit history is less than six months, the score will
89:
In
Australia, credit scoring is widely accepted as the primary method of assessing creditworthiness. Credit scoring is used not only to determine whether credit should be approved to an applicant, but for credit scoring in the setting of credit limits on credit or store cards, in behavioral modelling
511:
Credit scoring in the United
Kingdom is very different to that of the United States and other nations. There is no such thing as a universal credit score or credit rating in the UK. Each lender will assess potential borrowers on their own criteria, and these algorithms are effectively trade secrets.
300:
In
Germany, credit scoring is widely accepted as the primary method of assessing creditworthiness. Credit scoring is used not only to determine whether credit should be approved to an applicant, but for credit scoring in the setting of credit limits on credit or store cards, in behavioral modelling
166:
A credit score is a number based on a statistical analysis of a person's credit information, which represents the creditworthiness of that person. It is the most important tool used by financial institutions during a credit analysis that aims to assist the decision-making process of granting credit
75:
Credit scoring is not limited to banks. Other organizations, such as mobile phone companies, insurance companies, landlords, and government departments employ the same techniques. Digital finance companies such as online lenders also use alternative data sources to calculate the creditworthiness of
472:
If a person gets an injunction to pay issued by the
Enforcement Authority, it is possible to dispute it. Then the party requesting the payment must show its correctness in district court. Failure to dispute is seen as admitting the debt. If the debtor loses the court trial, costs for the trial are
186:
There are different methods of calculating credit scores in Brazil. In general, scores range from 0 to 1000 indicating what is the chance of a certain profile of consumers paying their bills on time in the next 12 months. The score is calculated from several factors, but practically it analyzes a
438:
released
Compuscore ABC, a scoring suite which predicts the probability of customer default throughout the credit life cycle. Six years later, Compuscan introduced Compuscore PSY, a 3-digit psychometric-based credit bureau score used by lenders to make informed lending decisions on thin files or
210:
There are, however, some key differences. One is that, unlike in the United States, where a consumer is allowed only one free copy of their credit report a year, in Canada, the consumer may order a free copy of their credit report any number of times in a year, as long as the request is made in
738:
generic FICO score was 723 in 2006 and 711 in 2011. The performance definition of the FICO risk score (its stated design objective) is to predict the likelihood that a consumer will go 90 days past due or worse in the subsequent 24 months after the score has been calculated. The higher the
538:
to predict a binary outcome: bad debt (meaning the borrower has defaulted on the loan) or not. Some banks also build regression models that predict the amount of bad debt a customer may incur. Typically this is much harder to predict, and most banks focus only on the binary outcome.
687:
services available from the credit bureaus or other third parties, although to actually get the scores free from most such services, one must use a credit card to sign up for a free trial subscription of the service and then cancel before the first monthly charge. Websites like
162:
Credit scoring is relatively new in Brazil. Previously, credit reporting was done as a blacklist and each lender used to assess potential borrowers on their own criteria. Nowadays, the system of credit reports and scores in Brazil is very similar to that in the United States.
464:
which is a national authority for collecting debts. The mere appearance of a company, or government office, as a debtor to this authority will result in a record among private credit bureaus; however, this does not apply to individuals as debtors. This record is called a
639:(Beacon is a trademark of FICO) which is calculated from the consumer's Equifax credit history, a FICO Model II score, which is calculated from the consumer's Experian credit history, and a Classic04 score, which is calculated from the consumer's Trans Union history.
459:
Sweden has a system for credit scoring that aims to find people with a history of neglect to pay bills or, most commonly, taxes. Anyone who does not pay their debts on time, and fails to make payments after a reminder, will have their case forwarded to the
Swedish
564:
It is very difficult for a consumer to know in advance whether they have a high enough credit score to be accepted for credit with a given lender. This situation is due to the complexity and structure of credit scoring, which differs from one lender to another.
187:
person's trajectory as a consumer, what includes up to date payments of bills, history of negative debts, financial relationships with companies and updated personal data on credit protection agencies, such as Serasa
Experian, Boa Vista, SPC, Quod and Foregon.
496:
and had an old invalid address registered for the car. Letters with payment requests did not reach him on time. The case was appealed and retracted, but the non-payment record remained for three years since it could not be retracted according to the law.
222:. This publication provides sample credit report and credit score documents, with explanations of the notations and codes that are used. It also contains general information on how to build or improve credit history, and how to check for signs that
727:, a consumer is entitled to a free credit report (but not a free credit score) within 60 days of any adverse action (e.g., being denied credit, or receiving substandard credit terms from a lender) taken as a result of their credit score. Under the
661:
Studies have shown scores to be predictive of risk in the underwriting of both credit and insurance. Some studies even suggest that most consumers are the beneficiaries of lower credit costs and insurance premiums due to the use of credit scores.
575:
oblige their members to provide a satisfactory reason. Credit-bureau data sharing agreements also require that an applicant declined based on credit-bureau data be told that this is the reason and the address of the credit bureau must be provided.
645:
also often re-sell FICO scores directly to consumers, often a general-purpose FICO 8 score. Previously, the credit bureaus also sold their own credit scores which they developed themselves, and which did not require payment to FICO to utilize:
1741:
271:
For privates, the credit scoring is always made by the creditor. For businesses it is either made by the creditor or by a third party. A business credit score is a direct representation of a company's creditworthiness.
672:, where users can get their free credit reports. Credit scores are available as an add-on feature of the report for a fee. If the consumer disputes an item on a credit report obtained using the free system, under the
167:
and conducting business, in order to verify the likelihood that people will pay their bills. A credit score is primarily based on credit report information, typically from one of the three major credit bureaus:
480:
must register a valid address, even if living abroad, since sent letters are considered to have been delivered to that person once they reach the registered address. As an example, Swedish astronaut
430:(formerly ITC) offer the Empirica Score which is, as of mid-2010, in its 4th generation. The Empirica score is segmented into two suites: the account origination (AO) and account management (AM).
292:
The credit scorecards in
Denmark are mainly based on information provided by the applicant and publicly available data. It is very restricted by legislation compared to its neighbouring countries.
668:
Americans are entitled to one free credit report in every 12-month period from each of the three credit bureaus, but are not entitled to receive a free credit score. The three credit bureaus run
568:
Lenders need not reveal their credit score head, nor need they reveal the minimum credit score required for the applicant to be accepted, because there may not be such a minimum score.
451:
has been delegated with power to issue credit reports to any subject to whom that information is related to. The Bureau commenced to issue Self
Inquiry Credit Reports in December 2009.
665:
Usage of credit histories in employment screenings increased from 19% in 1996 to 42% in 2006. However, credit reports for employment screening purposes do not include credit scores.
654:'s PLUS score. However, as of 2018, these scores are no longer sold by the credit bureaus. Trans Union offers a Vantage 3.0 score for sale to consumers, which is a version of the
928:
679:
Alternatively, consumers wishing to obtain their credit scores can in some cases purchase them separately from the credit bureaus or can purchase their FICO score directly from
1050:
1611:
1090:
195:
The system of credit reports and scores in Canada is very similar to that in the United States and India, with two of the same reporting agencies active in the country:
404:
422:, with the likes of banks, micro-lenders, clothing retailers, furniture retailers, specialized lenders and insurers all using credit scores. Currently all four retail
426:
offer credit bureau scores. The data stored by the credit bureaus include both positive and negative data, increasing the predictive power of the individual scores.
591:
407:. The lender must check the CCR if a person is borrowing more than €2,000, and can also check it if the loan is lower; consent from the borrower is not required.
207:, which entered the Canadian market with the purchase of Northern Credit Bureaus in 2008, announced the closing of its Canadian operations as of 18 April 2009).
1326:
1526:
1298:
260:
The credit scoring is widely used in Denmark by the banks and a number of private companies within telco and others. The credit scoring is split in two:
1479:
954:
720:
resumed the practice of offering a free FICO score in March 2010 of select card members to the exclusion of the majority of former WAMU card holders.
731:
bill passed on 22 July 2010, a consumer is entitled to receive a free credit score if they are denied a loan or insurance due to their credit score.
101:) probability modelling is still the most popular means by which to develop scorecards, various other methods offer powerful alternatives, including
1187:
1158:
1129:
1221:
1033:
1063:
360:
credit score takes time to build up and usually it takes between 18 and 36 months or more of credit usage to obtain a satisfactory credit score.
571:
If the applicant is declined for credit, the lender is not obliged to reveal the exact reason why. However industry associations including the
380:
and Lindorff Decision. Credit scoring is based on publicly available information such as demographic data, tax returns, taxable income and any
1433:
1007:
64:
and credit card companies, use credit scores to evaluate the potential risk posed by lending money to consumers and to mitigate losses due to
658:
credit score. In addition, many large lenders, including the major credit card issuers, have developed their own proprietary scoring models.
596:
In the United States, a credit score is a number based on a statistical analysis of a person's credit files, that in theory represents the
1575:
823:
180:
932:
337:
1258:
802:
1686:
906:
127:
With the subsequent introduction of positive reporting, lending companies have begun an uptake of its usage with some implementing
102:
620:. Income and employment history (or lack thereof) are not considered by the major credit bureaus when calculating credit scores.
1240:
72:, and what credit limits. Lenders also use credit scores to determine which customers are likely to bring in the most revenue.
106:
531:
are marketed to consumers and are not usually used by lenders. Most lenders instead use their own internal scoring mechanism.
143:, credit scoring is done as a blacklist. Consumers who did not pay bills end up on the blacklists that are held by different
554:
227:
1625:
1523:
434:
South Africa likewise has a Delphi credit score with their fourth generation about to be released (late 2010). In 2011,
347:
Although all the four credit information companies have developed their individual credit scores, the most popular is
585:
1284:
301:
such as collections scoring, and also in the pre-approval of additional credit to a company's existing client base.
90:
such as collections scoring, and also in the pre-approval of additional credit to a company's existing client base.
1509:
1323:
1302:
873:
848:
572:
448:
1373:
600:
of that person, which is the likelihood that people will pay their bills. A credit score is primarily based on
473:
added to the debt. Taxes and authority fees must always be paid on demand unless payment has already been made.
477:
447:
According to the provisions of Credit Information Bureau Act No 18 of 1990 (as amended by Act No 42 of 2008),
1489:
17:
1543:"No Evidence of Disparate Impact in Texas Due to Use of Credit Information by Personal Lines Insurers – III"
958:
676:(FCRA), the credit bureaus have 45 days to investigate, rather than 30 days for reports obtained otherwise.
308:, the main provider of credit file data, provides scores for about three-quarters of the German population.
304:
Consumers have the right to receive a free copy of all data held by credit bureaus once a year. At present
1612:
President Obama on Final Passage of Wall Street Reform: An End to Bailouts, a Beginning for Accountability
1195:
1166:
1137:
1108:
558:
543:
1510:
Report to the Congress on credit scoring and its effects on the availability and affordability of credit
683:. Credit scores (including FICO scores) are also made available free by subscription to one of the many
1653:
1767:
724:
673:
516:
151:
30:
This article is about an individual's financial credit score. For organization's credit rating, see
1011:
872:
Experian; Karma, Credit; Hero, Student Loan; Tretina, more Learn about our editorial policies Kat.
684:
489:
172:
1762:
1716:
1559:
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is a numerical expression based on a level analysis of a person's credit files, to represent the
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410:
Information is removed from both registers (ICB and CCR) five years after the loan is repaid.
1599:
1542:
1351:
1109:"Lecture: Court in the Akten | Sunday | Schedule 35th Chaos Communication Congress"
461:
341:
321:
1262:
328:) has functioned as a Credit Information Company from January 2001. Subsequently, in 2010,
275:
There are a few companies who have specialized in developing credit scorecards in Denmark:
239:
215:
35:
898:
8:
1630:
535:
393:
373:
1403:
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1343:
794:
716:, which took over Washington Mutual in 2008, discontinued this practice in March 2009.)
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Credit scoring is closely regulated in the UK, with the industry regulator being the
506:
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768:
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597:
46:
1732:
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1330:
1452:
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since a car he had ordered, and therefore owned, passed a toll station for the
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when used for the purposes of the Advanced approach to Capital Adequacy under
344:
to operate as Credit Information Companies in India. Transunion bought CIBIL.
1756:
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693:
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605:
601:
515:"Credit scores" which are available for individuals to see and provided from
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245:
144:
114:
69:
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50:
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VantageScore 3.0 model. Until March 2009, holders of credit cards issued by
627:, the most widely used type of credit score, is a credit score developed by
1524:
Credit-based insurance scores: Impacts on consumers of automobile insurance
717:
713:
697:
655:
419:
68:. Lenders use credit scores to determine who qualifies for a loan, at what
1091:"FICO with Chinese characteristics: Nice rewards, but punishing penalties"
1411:
399:
There is also a separate Central Credit Register (CCR) maintained by the
372:, credit scoring services are provided by three credit scoring agencies:
230:. Paper copies can also be ordered at no charge for residents of Canada.
712:
were offered a free FICO score each month through the bank's Web site. (
701:
632:
624:
613:
528:
427:
200:
98:
1434:"Here's What Your Credit Score Is According to an Experian Executive"
689:
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700:
provide free credit scores with no credit card required, using the
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492:. At the time, he was living in the USA training for his first
369:
305:
1576:"TransUnion battling attempts to ban employment credit checks"
561:
if they experience problems with any Credit Reference Agency.
244:
Private companies have developed credit score systems such as
1010:[All about credit score] (in Spanish). Archived from
357:
352:
348:
325:
317:
110:
27:
Numerical expression representing a person's creditworthiness
1661:
680:
628:
248:(which is provided by Alibaba affiliate Ant Financial) and
61:
623:
There are different methods of calculating credit scores.
320:, there are four credit information companies licensed by
1299:"Introducing our newest service offering: Compuscore PSY"
418:
Credit scoring is used throughout the credit industry in
226:
has occurred. The publication is available online at the
49:
of an individual. A credit score is primarily based on a
1724:
1124:
1122:
1034:"Entenda Como Funciona o Score de Crédito do Consumidor"
592:
Criticism of credit scoring systems in the United States
1070:. Financial Consumer Agency of Canada. 24 November 2016
849:"What is a Credit Score – Credit Score Range | Equifax"
1119:
1376:[Debts reduce chances to get an apartment].
871:
1241:"What is your credit rating and what does it mean?"
604:information, typically from one of the three major
1614:published 15 July 2010, retrieved on 26 July 2010.
1560:An overview of consumer data and credit reporting
557:(ICO). Consumers can also send complaints to the
324:. The Credit Information Bureau (India) Limited (
1754:
1707:"Credit Scores Video – Federal Trade Commission"
542:Credit scoring is closely regulated only by the
534:The most popular statistical technique used is
34:. For China's system for trustworthiness, see
1742:"Your Credit Score Is a Ranking, Not a Score"
1654:"US Credit Quality Continues to Inch Forward"
874:"What Credit Score Do You Need to Buy a Car?"
1519:
1517:
1374:"Så minskar skulder chansen att få lägenhet"
1285:"How to Check Your Credit Rating in Ireland"
704:VantageScore 3.0 model. Credit.com uses the
1600:Chase drops WaMu secured card, FICO score
1569:
1567:
1514:
1371:
926:
403:, founded in 2017 under the terms of the
267:Businesses: The probability of bankruptcy
1739:
1450:
1238:
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1216:
1214:
1212:
14:
1755:
1623:
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1401:
1259:"Check and improve your credit rating"
387:
264:Private: The probability of defaulting
1740:Demyanyk, Yuliya (16 November 2010).
1725:"Financial Consumer Agency of Canada"
1651:
1454:Credit scoring by logistic regression
53:, information typically sourced from
1652:Huynh, Frederic (February 3, 2014).
1432:Ross, Katherine (27 December 2018).
1431:
1209:
1088:
1624:Harney, Kenneth R. (June 9, 2006).
1372:Liljemalm, Anna (3 February 2015).
1261:. September 6, 2020. Archived from
228:Financial Consumer Agency of Canada
24:
1404:"Fuglesang hamnar hos kronofogden"
1402:Olsson, Caroline (17 March 2008).
1239:McMullin, Stephen (June 5, 2018).
1064:"Understanding Your Credit Report"
25:
1779:
1679:
792:
586:Credit score in the United States
555:Information Commissioner's Office
500:
218:offers a free publication called
1719:from the original on 2021-12-19.
1626:"New Mortgages Worry Regulators"
579:
220:Understanding Your Credit Report
1645:
1617:
1605:
1593:
1574:Wernau, Julie (28 April 2010).
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1535:
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1471:
1451:Tabagari, Salome (2015-05-13).
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1180:
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1101:
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991:
909:from the original on 2006-03-17
805:from the original on 2007-10-19
573:Finance and Leasing Association
413:
1478:Hulland, Louise (2013-10-03).
982:
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920:
890:
865:
841:
824:"What Is a Good Credit Score?"
816:
786:
478:national identification number
13:
1:
1689:. 25 May 2021. Archived from
1460:(Thesis). University of Tartu
1008:"Tudo sobre score de crédito"
779:
288:(generic rating for business)
282:(generic rating for business)
79:
1687:"FTC Guide to Credit Scores"
1602:retrieved on 17 January 2009
927:Anonymous (17 August 2010).
476:Every person with a Swedish
442:
152:Austrian Data Protection Act
84:
7:
1480:"Credit Reference Agencies"
929:"Credit reporting agencies"
742:
559:Financial Ombudsman Service
544:Financial Conduct Authority
10:
1784:
1226:www.citizensinformation.ie
734:In the United States, the
589:
583:
504:
295:
255:
237:
134:
29:
725:Fair Credit Reporting Act
674:Fair Credit Reporting Act
517:Credit Reference Agencies
454:
405:Credit Reporting Act 2013
363:
190:
157:
1733:"How Credit Scores Work"
955:"Fragen & Antworten"
685:credit report monitoring
490:Stockholm congestion tax
311:
233:
1188:"Reserve Bank of India"
1159:"Reserve Bank of India"
1130:"Reserve Bank of India"
401:Central Bank of Ireland
340:were given licenses by
120:Prior to 12 March 2014
1662:Fair Isaac Corporation
1344:"Betalningsanmärkning"
1113:fahrplan.events.ccc.de
670:Annualcreditreport.com
633:Fair Isaac Corporation
631:, previously known as
131:to set lending rates.
1352:Enforcement Authority
1222:"Your credit history"
1089:Ming, Cheang (2017).
519:such as Call Credit,
494:Space Shuttle mission
462:Enforcement Authority
342:Reserve Bank of India
322:Reserve Bank of India
1265:on November 25, 2020
486:Betalningsanmärkning
467:Betalningsanmärkning
374:Dun & Bradstreet
240:Social Credit System
216:Government of Canada
36:Social Credit System
1746:Economic Commentary
1631:The Washington Post
1529:11 May 2009 at the
1305:on 11 December 2017
536:logistic regression
439:marginal declines.
394:Republic of Ireland
388:Republic of Ireland
382:Betalingsanmerkning
1693:on 3 November 2012
1329:2018-07-30 at the
729:Wall Street reform
650:'s RISK score and
482:Christer Fuglesang
351:credit score. The
129:risk based pricing
961:on 1 January 2011
899:"Insurance Score"
774:Credit scorecards
710:Washington Mutual
507:Credit scorecards
177:Equifax do Brasil
150:According to the
60:Lenders, such as
16:(Redirected from
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979:§ 8 Abs 1 Z2 DSG
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769:Credit reference
749:Alternative data
598:creditworthiness
47:creditworthiness
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1735:. 16 July 2002.
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1531:Wayback Machine
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1763:Credit scoring
1751:
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1680:External links
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889:
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795:"Credit Score"
793:Kagan, Julia.
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764:Credit history
761:
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754:Bank statement
751:
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643:Credit bureaus
606:credit bureaus
584:Main article:
581:
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501:United Kingdom
499:
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338:CRIF High Mark
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250:Tencent Credit
235:
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224:identity theft
192:
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145:credit bureaus
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122:Veda Advantage
115:random forests
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70:interest rate
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51:credit report
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32:credit rating
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18:Credit scores
1745:
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1695:. Retrieved
1691:the original
1667:September 2,
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830:. 2021-02-11
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1412:Aftonbladet
1333:(Sri Lanks)
1309:11 December
625:FICO scores
76:borrowers.
1757:Categories
1748:(2010–16).
1697:18 October
1658:FICO /blog
1585:23 October
1496:2021-05-22
1464:2021-05-22
1202:2012-10-04
1192:rbi.org.in
1173:2012-10-04
1163:rbi.org.in
1144:2012-10-04
1134:rbi.org.in
1074:24 October
1038:QuickBooks
913:2021-05-24
883:2021-05-24
858:2021-05-24
834:2021-05-24
809:2021-05-24
780:References
723:Under the
702:TransUnion
614:TransUnion
590:See also:
529:TransUnion
505:See also:
428:TransUnion
238:See also:
201:TransUnion
181:SPC Brasil
99:non-linear
80:By country
1438:TheStreet
1417:16 August
1387:16 August
1357:16 August
690:WalletHub
443:Sri Lanka
436:Compuscan
173:Boa Vista
93:Although
85:Australia
1717:Archived
1527:Archived
1327:Archived
1053:(Canada)
988:§ 26 DSG
965:31 March
907:Archived
803:Archived
743:See also
706:Experian
652:Experian
610:Experian
548:Basel II
525:Experian
432:Experian
378:Experian
330:Experian
280:Experian
205:Experian
95:logistic
66:bad debt
1712:YouTube
1547:iii.org
1485:BBC One
1324:Crib.lk
939:6 March
648:Equifax
618:Equifax
521:Equifax
392:In the
334:Equifax
296:Germany
286:Bisnode
256:Denmark
197:Equifax
141:Austria
135:Austria
1018:29 May
736:median
616:, and
484:got a
455:Sweden
370:Norway
364:Norway
356:be 0.
306:Schufa
191:Canada
179:) and
158:Brazil
113:, and
1458:(PDF)
1378:gp.se
718:Chase
714:Chase
358:CIBIL
353:CIBIL
349:CIBIL
326:CIBIL
318:India
312:India
234:China
111:CHAID
62:banks
1699:2007
1669:2020
1639:2020
1587:2011
1419:2015
1389:2015
1359:2015
1311:2017
1271:2020
1095:CNBC
1076:2023
1020:2019
967:2011
941:2018
696:and
681:FICO
629:FICO
527:and
449:CRIB
336:and
214:The
199:and
107:CART
103:MARS
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