摘要 |
A method and system for low-moderate income scoring utilizes census tract and MSA median income information relative to applicants addresses to initially classify applicants as low-moderate, and for applicants with established credit bureau histories, to classify applicants as low-moderate income, to enable forecasting credit characteristics of applicants as part of a homogeneous population of low-moderate income individuals. A reject inferencing aspect creates reject inferencing for financial institution credit applicant scorecard development utilizing anonymized archived credit bureau information relative to a reject decision and a follow-up profile of the reject's credit performance with other creditors to empirically determine from the archived credit bureau information whether the reject should be classified as a good or bad for scorecard development.
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