CREDIT SCORE AND SCORECARD DEVELOPMENT
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United States of America Patent
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app pub date -
Feb 26, 2013
filing date -
Oct 24, 2005
priority date (Note) -
Abandoned
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Abstract
Share of Wallet (“SOW”) is a modeling approach that utilizes various data sources to provide outputs that describe a consumers spending capability, tradeline history including balance transfers, and balance information. These outputs can be appended to data profiles of customers and prospects and can be utilized to support decisions involving prospecting, new applicant evaluation, and customer management across the lifecycle. The outputs can be used as attributes to consider in developing a credit bureau scorecard.
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