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What is credit rating?

Credit rating is a method companies use to check whether customers/potential customers are going to settle their bill. The method uses statistics to repdict customers economic behaviour and is based on previous and current behaviour. The method is used to say something about:

  • Probability of repayment of given credit
  • Risk of default on credit
  • Probability of loss of customers

  • Profit increase/decrease

What is a score model?

A score model is used to put credit rating into system. The different models will calculate the extent of risk attached to giving credit. The basis for  determining a score will differ  from model to model, but in connection to granting credit it is usual that the model will say something abut the probability of default.

A score is build up by several variables that together give us the most predictable information. The score model will rate customers on a scale from most likely – to less likely to manage their loans.

 

Different score models used:

Risk score person

  • Says something about a person’s economic situation as of today
  • Is a non-predicative model
  • Scale from 0-100, where 100 is best

Consumer Delphi, generation 1

  • Measures the probability that a person will receive a payment remark within the next 12 months
  • A predicative model
  • Scale from 0-100, where 100 is best

Consumer Delphi, generation 2

  • Experian’s newest predicative score model
  • 9 industry specific score models
  • Industry specific models exist because different groups seek different type of credit. Risk of default will differ from industry to industry. This means a person can receive different ratings depending on which industry specific score model is used.
  • All models measure the probability that a person will receive a payment remark within the next 12 months
  • Scale from 0-1000, where 1000 is best
  • © Experian 2017. Alle rettigheter.