Cover for Credit Data and Scoring

Credit Data and Scoring

The First Triumph of Big Data and Big Algorithms

Book2020

Authors:

Eric Rosenblatt

Credit Data and Scoring

The First Triumph of Big Data and Big Algorithms

Book2020

 

Cover for Credit Data and Scoring

Authors:

Eric Rosenblatt

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Book description

Credit Data and Scoring: The First Triumph of Big Data and Big Algorithms illuminates the often-hidden practice of predicting an individual’s economic responsibility. Written by a ... read full description

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  1. Full text access
  2. Book chapterAbstract only

    Chapter One - I used to have a reputation. Now I have a score.

    Pages 1-8

  3. Book chapterAbstract only

    Chapter Two - The credit industry in the United States

    Pages 9-15

  4. Book chapterAbstract only

    Chapter Three - My credit report—some of it is right

    Pages 17-26

  5. Book chapterAbstract only

    Chapter Four - Credit reporting agencies: playing the long game

    Pages 27-36

  6. Book chapterAbstract only

    Chapter Five - Data errors to keep money renters happy

    Pages 37-42

  7. Book chapterAbstract only

    Chapter Six - Historic complaints about credit accuracy

    Pages 43-49

  8. Book chapterAbstract only

    Chapter Seven - Differences in data between credit reporting agencies

    Pages 51-56

  9. Book chapterAbstract only

    Chapter Eight - Can credit errors be fixed? Probably not

    Pages 57-63

  10. Book chapterAbstract only

    Chapter nine - The mystery of credit scores

    Pages 65-75

  11. Book chapterAbstract only

    Chapter Ten - Making a credit score: it starts with data

    Pages 77-85

  12. Book chapterAbstract only

    Chapter Eleven - Picking the Y variable, picking the X variables

    Pages 87-98

  13. Book chapterAbstract only

    Chapter Twelve - Calculating weight of evidence and information value

    Pages 99-104

  14. Book chapterAbstract only

    Chapter Thirteen - Regressions

    Pages 105-110

  15. Book chapterAbstract only

    Chapter Fourteen - Getting a sensible model

    Pages 111-117

  16. Book chapterAbstract only

    Chapter Fifteen - Credit scores on the same borrower differ between CRAs

    Pages 119-125

  17. Book chapterAbstract only

    Chapter Sixteen - The credit industry outside the United States

    Pages 127-131

  18. Book chapterAbstract only

    Chapter Seventeen - List of practices by country

    Pages 133-172

  19. Book chapterAbstract only

    Chapter Eighteen - Data security

    Pages 173-181

  20. Book chapterAbstract only

    Chapter Nineteen - Algorithms and individuals

    Pages 183-190

  21. Book chapterAbstract only

    Chapter Twenty - Something like a conclusion

    Pages 191-196

  22. Book chapterNo access

    Appendix 1 - U.S. (and a little bit of European) law

    Pages 197-208

  23. Book chapterNo access

    Appendix 2 - Final rule on credit scores from FHFA

    Pages 209-216

  24. Book chapterNo access

    Appendix 3 - Attachment: My credit report

    Pages 217-245

  25. Book chapterNo access

    Appendix 4 - A summary of your rights under the Fair Credit Reporting Act

    Pages 247-251

  26. Book chapterNo access

    Appendix 5 - Your rights under State law

    Pages 253-256

  27. Book chapterNo access

    Index

    Pages 257-263

About the book

Description

Credit Data and Scoring: The First Triumph of Big Data and Big Algorithms illuminates the often-hidden practice of predicting an individual’s economic responsibility. Written by a leading practitioner, it examines the international implications of US leadership in credit scoring and what other countries have learned from it in building their own systems. Through its comprehensive contemporary perspective, the book also explores how algorithms and big data are driving the future of credit scoring. By revealing a new big picture and data comparisons, it delivers useful insights into legal, regulatory and data manipulation.

Credit Data and Scoring: The First Triumph of Big Data and Big Algorithms illuminates the often-hidden practice of predicting an individual’s economic responsibility. Written by a leading practitioner, it examines the international implications of US leadership in credit scoring and what other countries have learned from it in building their own systems. Through its comprehensive contemporary perspective, the book also explores how algorithms and big data are driving the future of credit scoring. By revealing a new big picture and data comparisons, it delivers useful insights into legal, regulatory and data manipulation.

Key Features

  • Provides insights into credit scoring goals and methods
  • Examines U.S leadership in developing credit data and algorithms and how other countries depart from it
  • Analyzes the growing influence of algorithms in data scoring
  • Provides insights into credit scoring goals and methods
  • Examines U.S leadership in developing credit data and algorithms and how other countries depart from it
  • Analyzes the growing influence of algorithms in data scoring

Details

ISBN

978-0-12-818815-6

Language

English

Published

2020

Copyright

Copyright © 2020 Elsevier Inc. All rights reserved.

Imprint

Academic Press

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Authors

Eric Rosenblatt

George Washington University, Washington, DC, United States