Abstract: Information regarding individuals that fit a bad performance definition, such as individuals that have previously defaulted on a financial instrument or have declared bankruptcy, is used to develop a model that is usable to determine whether an individual that does not fit the bad performance definition is more likely to subsequently default on a financial instrument or to declare bankruptcy. The model may be used to generate a score for each individual, and the score may be used to segment the individual into a segment of a segmentation structure that includes individuals with related scores, where segments may include different models for generating a final risk score for the individuals assigned to the particular segments. The segment to which an individual is assigned, which may be determined based at least partly on the score assigned to the individual, may affect the final risk score that is assigned to the individual.

Abstract: Information regarding individuals that fit a bad performance definition, such as individuals that have previously defaulted on a financial instrument or have declared bankruptcy, is used to develop a model that is usable to determine whether an individual that does not fit the bad performance definition is more likely to subsequently default on a financial instrument or to declare bankruptcy. The model may be used to generate a score for each individual, and the score may be used to segment the individual into a segment of a segmentation structure that includes individuals with related scores, where segments may include different models for generating a final risk score for the individuals assigned to the particular segments. The segment to which an individual is assigned, which may be determined based at least partly on the score assigned to the individual, may affect the final risk score that is assigned to the individual.

Abstract: Information regarding individuals that fit a bad performance definition, such as individuals that have previously defaulted on a financial instrument or have declared bankruptcy, is used to develop a model that is usable to determine whether an individual that does not fit the bad performance definition is more likely to subsequently default on a financial instrument or to declare bankruptcy. The model may be used to generate a score for each individual, and the score may be used to segment the individual into a segment of a segmentation structure that includes individuals with related scores, where segments may include different models for generating a final risk score for the individuals assigned to the particular segments. The segment to which an individual is assigned, which may be determined based at least partly on the score assigned to the individual, may affect the final risk score that is assigned to the individual.

Abstract: Provided are systems and methods for partitioning of segments in a consumer credit segmentation tree. Segments can be defined based on regression tree analysis.

Abstract: Methods and systems for optimal partitioning of segments in a consumer credit segmentation tree comprising defining a first attribute-based independent variable on a first tree using a primary dependent variable having two classes, defining a second attribute-based independent variable on the first tree using the primary dependent variable, defining risk tiers for the first attribute-based independent variable on the first tree using a first risk score and the primary dependent variable, defining risk tiers for the second attribute-based independent variable on the first tree using a second risk score and the primary dependent variable, superimposing the first tree structure, based on the primary dependent variable, onto a second tree, and defining profiles in the risk tiers for the second attribute-based independent variable with a profile dependent variable having two classes, completing the second tree, wherein the second tree is used to segment a population according to credit related behavior.

Abstract: Provided are methods and systems by which a data sample can be generated in order to create a true multi-Credit Reporting Agency model, eliminating the biases and variability in traditional multi-CRA models by allowing the creation of a single multi-CRA method which requires neither alignment nor translation to be applicable on all CRAs.

Abstract: Information regarding individuals that fit a bad performance definition, such as individuals that have previously defaulted on a financial instrument or have declared bankruptcy, is used to develop a model that is usable to determine whether an individual that does not fit the bad performance definition is more likely to subsequently default on a financial instrument or to declare bankruptcy. The model may be used to generate a score for each individual, and the score may be used to segment the individual into a segment of a segmentation structure that includes individuals with related scores, where segments may include different models for generating a final risk score for the individuals assigned to the particular segments. The segment to which an individual is assigned, which may be determined based at least partly on the score assigned to the individual, may affect the final risk score that is assigned to the individual.

Abstract: Provided are methods and systems by which a data sample can be generated in order to create a true multi-Credit Reporting Agency model, eliminating the biases and variability in traditional multi-CRA models by allowing the creation of a single multi-CRA method which requires neither alignment nor translation to be applicable on all CRAs.

Abstract: Provided are methods and systems by which a data sample can be generated in order to create a true multi-Credit Reporting Agency model, eliminating the biases and variability in traditional multi-CRA models by allowing the creation of a single multi-CRA method which requires neither alignment nor translation to be applicable on all CRAs.

Abstract: Information regarding individuals that fit a bad performance definition, such as individuals that have previously defaulted on a financial instrument or have declared bankruptcy, is used to develop a model that is usable to determine whether an individual that does not fit the bad performance definition is more likely to subsequently default on a financial instrument or to declare bankruptcy. The model may be used to generate a score for each individual, and the score may be used to segment the individual into a segment of a segmentation structure that includes individuals with related scores, where segments may include different models for generating a final risk score for the individuals assigned to the particular segments. Thus, the segment to which an individual is assigned, which may be determined based at least partly on the score assigned to the individual, may affect the final risk score that is assigned to the individual.

Abstract: Information regarding individuals that fit a bad performance definition, such as individuals that have previously defaulted on a financial instrument or have declared bankruptcy, is used to develop a model that is usable to determine whether an individual that does not fit the bad performance definition is more likely to subsequently default on a financial instrument or to declare bankruptcy. The model may be used to generate a score for each individual, and the score may be used to segment the individual into a segment of a segmentation structure that includes individuals with related scores, where segments may include different models for generating a final risk score for the individuals assigned to the particular segments. Thus, the segment to which an individual is assigned, which may be determined based at least partly on the score assigned to the individual, may affect the final risk score that is assigned to the individual.

Abstract: Provided are methods and systems by which a data sample can be generated in order to create a true multi-Credit Reporting Agency model, eliminating the biases and variability in traditional multi-CRA models by allowing the creation of a single multi-CRA method which requires neither alignment nor translation to be applicable on all CRAs.

Abstract: Provided are systems and methods for partitioning of segments in a consumer segmentation tree. Segments can be defined based on regression tree analysis.

Abstract: Information regarding individuals that fit a bad performance definition, such as individuals that have previously defaulted on a financial instrument or have declared bankruptcy, is used to develop a model that is usable to determine whether an individual that does not fit the bad performance definition is more likely to subsequently default on a financial instrument or to declare bankruptcy. The model may be used to generate a score for each individual, and the score may be used to segment the individual into a segment of a segmentation structure that includes individuals with related scores, where segments may include different models for generating a final risk score for the individuals assigned to the particular segments. Thus, the segment to which an individual is assigned, which may be determined based at least partly on the score assigned to the individual, may affect the final risk score that is assigned to the individual.