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Likewise, a loan provider will use a credit scoring model (a model of creditworthiness) to predict how likely an applicant is to repay the loan they are applying for.
Those that the credit scoring model predicts are uncreditworthy will be declined.
A typical bank, for example, will take anywhere between four and 12 months to develop and implement a new suite of credit scoring models to estimate the creditworthiness of people applying for a product such as a credit card.
A credit scoring model predicts whether or not someone will make their loan repay-ments, and a fraud model predicts the likelihood that someone acts fraudulently.
Credit scoring models were the first classification models to be widely used in a commercial setting, with their origins dating back to the 1940s (Durand 1941; Wonderlic 1952).
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