Credit Scoring: Statistical Issues and Evidence from Credit-Bureau Files
Although credit scoring offers benefits to lenders and borrowers, its use raises important statistical issues that may affect the ability of scoring systems to accurately quantify an individual's credit risk. The evidence from a national sample of credit-bureau records suggests that concerns about omitted-variable bias may be justified, as local economic factors show significant correlations with credit scores. Copyright American Real Estate and Urban Economics Association.
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Volume (Year): 28 (2000)
Issue (Month): 3 ()
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