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عمومی::
امتیازدهی اعتباری
In the 1960s, when credit cards became widespread, credit officers at banks started to use credit scoring.
Credit scoring is the application of statistical methods to a range of quantitative information such as payment history, income statistics, and many more.
Credit scoring requires information technology to efficiently collect the data required as input.
Credit scoring has proven superior to the relationship-based methods of credit officers. 13 Over time, credit scoring has been applied to all sorts of consumer credit markets, such as car financing or mortgage lending.
In the 1990s, banks started to apply credit scoring to small businesses, for which soft information was typically considered most important.
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