Method and apparatus for generating segmentation scorecards for evaluating credit risk of bank card applicants
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United States of America Patent
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Mar 13, 2001
Grant Date -
N/A
app pub date -
Jan 23, 1998
filing date -
Jan 23, 1998
priority date (Note) -
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Abstract
The present invention is a method and apparatus that uses a plurality of predetermined segments to group credit applicants to evaluate each applicant's credit risk. The segments are based on at least one of reported trades, reported delinquency, bank card utilization, and length of said credit history. A score is generated for each applicant based on a unique scorecard designed for each segment The unique scorecards allow more accurate credit risk assessment by evaluating each applicant in view of that segment's tendency to be bad credit risks.
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