Our main collection of outcome measures is extracted from credit files supplied by the credit bureau.

Our main collection of outcome measures is extracted from credit files supplied by the credit bureau.

U.K. credit bureau files have six-year documents of most debt and credit products held by a customer. We utilize the “raw” credit file, which gives item-by-item information on all debt and credit applications and items held with monthly stability and documents of delinquency and standard for every item. From the credit history information, we build four types of result factors: First, loan application details that look as credit “checks” on consumer credit files. Second, credit balance variables that assess the services and products held by the customer, the total credit stability for the consumer’s profile plus specific balances for each item held (charge cards, unsecured loans, house credit, mail order services and products, employ purchase items, home loan items, pay day loan services and products, present reports, household bill accounts, as well as other products). Leggi tutto “Our main collection of outcome measures is extracted from credit files supplied by the credit bureau.”