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Author : Robert B. Avery
Publisher : DIANE Publishing
ISBN 13 : 1437980201
Total Pages : 52 pages
Book Rating : 4.4/5 (379 download)
Download or read book Does Credit Scoring Produce a Disparate Impact? written by Robert B. Avery and published by DIANE Publishing. This book was released on 2010 with total page 52 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Richard Johnson
Publisher : Dog Ear Publishing
ISBN 13 : 145750121X
Total Pages : 114 pages
Book Rating : 4.4/5 (575 download)
Download or read book Credit Scores and You written by Richard Johnson and published by Dog Ear Publishing. This book was released on 2011 with total page 114 pages. Available in PDF, EPUB and Kindle. Book excerpt: "Credit Scores and You" is the definitive guide on how to create, maintain, or repair your credit score. Knowing how to get your credit score over 700 and to keep it there can save you tens of thousands of dollars over the course of your lifetime. The book is the result of the author's desire to give financial direction and inspiration to his two sons as they grew into young adults. His career in lending and the financial world has provided a keen understanding of what is required to build a solid financial base, and how vitally important an excellent credit score has become in business, and in day-to-day life. It shares real life experiences, and provides information on getting started in finances, handling money, and how to build your credit history. Learning about trade lines, the credit scoring system, and when to consider various loan products is discussed. How your credit history impacts what you do and what it can cost you over time is the essence of this subject. A good credit score involves much more than what it will cost for a particular loan product. Your credit score is considered when you apply for a job, when you are looking for housing, and how the insurance company views you as customer. That simple three-digit number has become more profound since the mid 1990's than ever before. Your credit score will determine whether or not you are approved for a loan product. In many cases it will also dictate how much you will pay in interest rates and fees. Excellent credit scores will open many more doors and save you money. A good credit score will also help you when applying for a job. Many employers will run a credit check along with a background check before they will consider a candidate for employment. High or low credit scores are considered a reflection on how an applicant may perform on the job. Insurance companies have their own methods for determining risk, and charge insurance premiums based on that data. Credit scores in recent years have become one of the factors that they look at on an insurance application. High or low credit scores can be one of the determining factors in what they charge. Having an understanding of the importance of a great credit score should not be underestimated. 'Credit Scores and You' will give the reader an excellent basis for getting on the right track toward financial wellness.
Author : Evan Selinger
Publisher : Cambridge University Press
ISBN 13 : 1316859274
Total Pages : 616 pages
Book Rating : 4.3/5 (168 download)
Download or read book The Cambridge Handbook of Consumer Privacy written by Evan Selinger and published by Cambridge University Press. This book was released on 2018-04-02 with total page 616 pages. Available in PDF, EPUB and Kindle. Book excerpt: Businesses are rushing to collect personal data to fuel surging demand. Data enthusiasts claim personal information that's obtained from the commercial internet, including mobile platforms, social networks, cloud computing, and connected devices, will unlock path-breaking innovation, including advanced data security. By contrast, regulators and activists contend that corporate data practices too often disempower consumers by creating privacy harms and related problems. As the Internet of Things matures and facial recognition, predictive analytics, big data, and wearable tracking grow in power, scale, and scope, a controversial ecosystem will exacerbate the acrimony over commercial data capture and analysis. The only productive way forward is to get a grip on the key problems right now and change the conversation. That's exactly what Jules Polonetsky, Omer Tene, and Evan Selinger do. They bring together diverse views from leading academics, business leaders, and policymakers to discuss the opportunities and challenges of the new data economy.
Author : United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit
Publisher :
ISBN 13 :
Total Pages : 264 pages
Book Rating : 4.:/5 (327 download)
Download or read book Use of Credit Information Beyond Lending written by United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit and published by . This book was released on 2010 with total page 264 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Naeem Siddiqi
Publisher : John Wiley & Sons
ISBN 13 : 1118429168
Total Pages : 124 pages
Book Rating : 4.1/5 (184 download)
Download or read book Credit Risk Scorecards written by Naeem Siddiqi and published by John Wiley & Sons. This book was released on 2012-06-29 with total page 124 pages. Available in PDF, EPUB and Kindle. Book excerpt: Praise for Credit Risk Scorecards "Scorecard development is important to retail financial services in terms of credit risk management, Basel II compliance, and marketing of credit products. Credit Risk Scorecards provides insight into professional practices in different stages of credit scorecard development, such as model building, validation, and implementation. The book should be compulsory reading for modern credit risk managers." —Michael C. S. Wong Associate Professor of Finance, City University of Hong Kong Hong Kong Regional Director, Global Association of Risk Professionals "Siddiqi offers a practical, step-by-step guide for developing and implementing successful credit scorecards. He relays the key steps in an ordered and simple-to-follow fashion. A 'must read' for anyone managing the development of a scorecard." —Jonathan G. Baum Chief Risk Officer, GE Consumer Finance, Europe "A comprehensive guide, not only for scorecard specialists but for all consumer credit professionals. The book provides the A-to-Z of scorecard development, implementation, and monitoring processes. This is an important read for all consumer-lending practitioners." —Satinder Ahluwalia Vice President and Head-Retail Credit, Mashreqbank, UAE "This practical text provides a strong foundation in the technical issues involved in building credit scoring models. This book will become required reading for all those working in this area." —J. Michael Hardin, PhD Professor of StatisticsDepartment of Information Systems, Statistics, and Management ScienceDirector, Institute of Business Intelligence "Mr. Siddiqi has captured the true essence of the credit risk practitioner's primary tool, the predictive scorecard. He has combined both art and science in demonstrating the critical advantages that scorecards achieve when employed in marketing, acquisition, account management, and recoveries. This text should be part of every risk manager's library." —Stephen D. Morris Director, Credit Risk, ING Bank of Canada
Author : Stephen L. Ross
Publisher : MIT Press
ISBN 13 : 9780262264334
Total Pages : 488 pages
Book Rating : 4.2/5 (643 download)
Download or read book The Color of Credit written by Stephen L. Ross and published by MIT Press. This book was released on 2002-11-08 with total page 488 pages. Available in PDF, EPUB and Kindle. Book excerpt: An analysis of current findings on mortgage-lending discrimination and suggestions for new procedures to improve its detection. In 2000, homeownership in the United States stood at an all-time high of 67.4 percent, but the homeownership rate was more than 50 percent higher for non-Hispanic whites than for blacks or Hispanics. Homeownership is the most common method for wealth accumulation and is viewed as critical for access to the most desirable communities and most comprehensive public services. Homeownership and mortgage lending are linked, of course, as the vast majority of home purchases are made with the help of a mortgage loan. Barriers to obtaining a mortgage represent obstacles to attaining the American dream of owning one's own home. These barriers take on added urgency when they are related to race or ethnicity. In this book Stephen Ross and John Yinger discuss what has been learned about mortgage-lending discrimination in recent years. They re-analyze existing loan-approval and loan-performance data and devise new tests for detecting discrimination in contemporary mortgage markets. They provide an in-depth review of the 1996 Boston Fed Study and its critics, along with new evidence that the minority-white loan-approval disparities in the Boston data represent discrimination, not variation in underwriting standards that can be justified on business grounds. Their analysis also reveals several major weaknesses in the current fair-lending enforcement system, namely, that it entirely overlooks one of the two main types of discrimination (disparate impact), misses many cases of the other main type (disparate treatment), and insulates some discriminating lenders from investigation. Ross and Yinger devise new procedures to overcome these weaknesses and show how the procedures can also be applied to discrimination in loan-pricing and credit-scoring.
Author : Tom Baker
Publisher : Aspen Publishing
ISBN 13 : 1543831028
Total Pages : 1038 pages
Book Rating : 4.5/5 (438 download)
Download or read book Insurance Law and Policy written by Tom Baker and published by Aspen Publishing. This book was released on 2021-01-31 with total page 1038 pages. Available in PDF, EPUB and Kindle. Book excerpt: A contemporary, easy-to-teach text by the Reporters for the new Restatement of the Law Liability Insurance, this casebook invites students and teachers to re-imagine the field of Insurance Law. The authors demonstrate the big-picture role of insurance law and policy in American business and society, exploring federal-state regulatory roles in depth as well as the traditional topics covered in casebooks. Insurance Law and Policy: Cases and Materials uses more statutory material than any other casebook, with statutes typically presented through problems. Manageable assignments contain one major case followed by informative notes, questions and a problem. This text appeals to Insurance teachers as well as teachers of Torts and Contracts considering a new course. The Teacher’s Manual—with case briefs, backgrounds on selected cases, simple diagrams that explain complex issues, and answers to questions and problems—is especially useful for instructors new to the course. New to the Fifth Edition: Expanded coverage of the role of insurance in disasters and catastrophes, including the COVID-19 pandemic Extensive treatment of the now-finalized Restatement of the Law, Liability Insurance Reorganization of the liability insurance chapters to facilitate more step-by-step learning Replacement of a few difficult-to-teach cases with new, more straightforward cases Professors and student will benefit from: Focus on the big picture of federal-state regulatory roles in addition to the traditional insurance coverage topics addressed in other Insurance Law casebooks Extensive use of statutory materials, with statutes typically presented through carefully-constructed problems Manageable assignments structured with one major case, informative notes, questions, and a problem Interesting, up-to-date cases, with context-setting introductions, on topics such as cyber insurance, the role of private insurance in responding to public catastrophes, and the new Restatement of the Law Liability Insurance Cases are longer, providing students better grounding in the art of extracting useful knowledge from judicial opinions Elimination of some of the arcane aspects of insurance law in favor of presenting a broad and conceptual overview of the field
Author : Allen N. Berger
Publisher : DIANE Publishing
ISBN 13 : 1437928781
Total Pages : 25 pages
Book Rating : 4.4/5 (379 download)
Download or read book Surprising Use of Credit Scoring in Small Business Lending by Community Banks and the Attendant Effects on Credit Availability and Risk written by Allen N. Berger and published by DIANE Publishing. This book was released on 2010-06 with total page 25 pages. Available in PDF, EPUB and Kindle. Book excerpt: There is a positive relationship between the use of credit scoring for small business (SB) loans and SB credit availability. This report employs data from a new survey on the use of credit scoring in SB lending, primarily by community banks. The survey evidence suggests that the use of credit scores in SB lending by community banks is surprisingly widespread. Moreover, the scores employed tend to be the consumer credit scores of the SB owners rather than the more encompassing SB credit scores that include data on the firms as well as on the owners. This empirical analysis suggests that credit scoring is associated with increased SB lending after a learning period, with no material change in the quality of the loan portfolio. Charts ad tables.
Author : Phillip B. Rogers
Publisher :
ISBN 13 : 9781626183117
Total Pages : 80 pages
Book Rating : 4.1/5 (831 download)
Download or read book Credit Scores written by Phillip B. Rogers and published by . This book was released on 2013 with total page 80 pages. Available in PDF, EPUB and Kindle. Book excerpt: A credit score is a numerical summary of a consumer's apparent creditworthiness, based on the consumer's credit report, and reflects the relative likelihood that the consumer will default on a credit obligation. Credit scores can have a significant impact on a consumer's financial life. Lenders rely on scores extensively in decision making, including the initial decisions of whether to lend and what loan terms to offer, for most types of credit, including mortgages, auto loans, and credit cards. Credit scores also influence the marketing offers that consumers receive, such as offers for credit cards. A good credit score can mean access to a wide range of credit products at the better rates available in the market, while a bad credit score can lead to greatly reduced access to credit and much higher borrowing costs. This book provides context for understanding the credit reporting industry as a whole, important industry players, and the complexity of the credit scoring process.
Author : R. Cramer
Publisher : Springer
ISBN 13 : 1137384883
Total Pages : 299 pages
Book Rating : 4.1/5 (373 download)
Download or read book The Assets Perspective written by R. Cramer and published by Springer. This book was released on 2014-03-06 with total page 299 pages. Available in PDF, EPUB and Kindle. Book excerpt: The economy's struggles to overcome the lingering effects of the Great Recession presented unique but essential questions.The book considers a full range of data which considers how this recent experience has impacted households, providing a thorough and contemporary treatment of how the assets perspective has prompted changes within social policy.
Author : Raymond Anderson
Publisher : Oxford University Press
ISBN 13 : 9780199226405
Total Pages : 791 pages
Book Rating : 4.2/5 (264 download)
Download or read book The Credit Scoring Toolkit written by Raymond Anderson and published by Oxford University Press. This book was released on 2007-08-30 with total page 791 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Credit Scoring Toolkit provides an all-encompassing view of the use of statistical models to assess retail credit risk and provide automated decisions.In eight modules, the book provides frameworks for both theory and practice. It first explores the economic justification and history of Credit Scoring, risk linkages and decision science, statistical and mathematical tools, the assessment of business enterprises, and regulatory issues ranging from data privacy to Basel II. It then provides a practical how-to-guide for scorecard development, including data collection, scorecard implementation, and use within the credit risk management cycle.Including numerous real-life examples and an extensive glossary and bibliography, the text assumes little prior knowledge making it an indispensable desktop reference for graduate students in statistics, business, economics and finance, MBA students, credit risk and financial practitioners.
Author : United States. Congress. House. Committee on Financial Services. Subcommittee on Oversight and Investigations
Publisher :
ISBN 13 :
Total Pages : 364 pages
Book Rating : 4.0/5 ( download)
Download or read book The Impact of Credit-based Insurance Scoring on the Availability and Affordability of Insurance written by United States. Congress. House. Committee on Financial Services. Subcommittee on Oversight and Investigations and published by . This book was released on 2008 with total page 364 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Mba MDIV David
Publisher : Trade Culture
ISBN 13 :
Total Pages : 0 pages
Book Rating : 4.9/5 (899 download)
Download or read book Credit Irony written by Mba MDIV David and published by Trade Culture. This book was released on 2024-03-05 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: This story transcends the globe to penetrate the core of financial systems and untangle the mystery of credit score and wealth management beyond numerical digits. It is an informative insight into the credit score system and its deep-rooted implications on personal finance. This book seeks to provide readers with an insightful analysis that defies what people perceive as common assumptions about this subject. The tour commences with an introduction to the historical relevance of credit scores, from when they started until their use has been attained today. The readers move through the early chapters forced to face one of the most paradoxical relationships between debt and financial health, with results in treating an amassing ind limit indebtedness as a means whereby one attains a higher credit score, thus appearing as though they are indeed prosperous financially suckering them into falling into another trap. Using compelling case studies, the story discloses the irony and reverse expectations about credit scores to reveal that while a consumer rating system seems universal, its results change from society to society. The book reveals how grim credit scores can be in the porcelain industry, but to USA citizens, it becomes more like a curse, not a blessing, as we shall see in the following details. It evaluates the details of credit reporting agencies, transparent scoring algorithms, and harmful impacts on individuals' financial lives due to mistakes. This creates a background for a general analysis of how debt has been institutionalized as part and parcel of business ventures, preferring lenders to be the upper hand so that credit card companies enjoy fiscal gains while the population remains unpaid. First-person stories of the captives who embraced the chase for an impressive credit score revealed talks on the psychological aspect of hefty debt. It is a severe analysis of the extent to which credit scores determine life chances and how it continues social hierarchies. This aspect, once again, makes readers rethink their levels and values even in light of supposedly seemingly insignificant matters such as credit scoring. In the book, however, as it moves forward, it evolves towards new alternative ways of looking at financial health where savings and responsible spending are championed over easy access to lines of credit. It highlights the role of financial literacy, demonstrating people who reached an actual state of economic well-being-stable income and quality lifestyle due to conscious spending. People's mindset toward consumption is the chief key to success found by this documentary for each individual and nation that wants to be built successfully in any corner of the world. In its last two chapters, Credit Irony promotes systemic changes to credit score schemes like more accountability of manufacturing instructions on the revelation ground, which means it should expose one's working capacity entirely. The irony depicts a race between reform and obliteration-the old cardboard piracy has been so tradeable that no discussion is possible. At the same time, It addresses the notion of what the contribution of government and regulatory bodies could be when it comes to creating necessary changes that will lead toward an impartial credit scoring system benefiting all. The final chapters are a wake-up call. They provide people with a hands-on gist, helping them manage their money healthily and at the same time without letting their credit score determine what strategy they have to use. By skewing the debt-to-income ratio theory and providing the reader with the necessary resources for better money literacy skills, the book prepares readers to create a more valuable partnership with credit and loans.
Author : United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit
Publisher :
ISBN 13 :
Total Pages : 240 pages
Book Rating : 4.:/5 (327 download)
Download or read book Keeping Score on Credit Scores written by United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit and published by . This book was released on 2010 with total page 240 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Jörg Dräger
Publisher : Verlag Bertelsmann Stiftung
ISBN 13 : 3867938857
Total Pages : 249 pages
Book Rating : 4.8/5 (679 download)
Download or read book We Humans and the Intelligent Machines written by Jörg Dräger and published by Verlag Bertelsmann Stiftung. This book was released on 2020-04-09 with total page 249 pages. Available in PDF, EPUB and Kindle. Book excerpt: Defeat cancer before it develops. Prevent crime before it happens. Get the perfect job without having to know the right people. Algorithms turn long-wished-for dreams into reality. At the same time, they can weaken solidarity in healthcare systems, lead to discriminatory court judgements and exclude individuals from the labor market. Algorithms are already deeply determining our lives. This book uses illuminating examples to describe the opportunities and risks machine-based decision-making presents for each of us. It also offers specific suggestions for ensuring artificial intelligence serves society as it should.
Author : Evan Hendricks
Publisher :
ISBN 13 : 9780964548619
Total Pages : 364 pages
Book Rating : 4.5/5 (486 download)
Download or read book Credit Scores & Credit Reports written by Evan Hendricks and published by . This book was released on 2004 with total page 364 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book is a consumer instruction manual for the credit reporting and credit scoring systems. Although these credit systems directly effect the financial standing of millions of Americans, few people understand them.
Author : Lyn Thomas
Publisher : SIAM
ISBN 13 : 1611974550
Total Pages : 380 pages
Book Rating : 4.6/5 (119 download)
Download or read book Credit Scoring and Its Applications, Second Edition written by Lyn Thomas and published by SIAM. This book was released on 2017-08-16 with total page 380 pages. Available in PDF, EPUB and Kindle. Book excerpt: Credit Scoring and Its Applications?is recognized as the bible of credit scoring. It contains a comprehensive review of the objectives, methods, and practical implementation of credit and behavioral scoring. The authors review principles of the statistical and operations research methods used in building scorecards, as well as the advantages and disadvantages of each approach. The book contains a description of practical problems encountered in building, using, and monitoring scorecards and examines some of the country-specific issues in bankruptcy, equal opportunities, and privacy legislation. It contains a discussion of economic theories of consumers' use of credit, and readers will gain an understanding of what lending institutions seek to achieve by using credit scoring and the changes in their objectives.? New to the second edition are lessons that can be learned for operations research model building from the global financial crisis, current applications of scoring, discussions on the Basel Accords and their requirements for scoring, new methods for scorecard building and new expanded sections on ways of measuring scorecard performance. And survival analysis for credit scoring. Other unique features include methods of monitoring scorecards and deciding when to update them, as well as different applications of scoring, including direct marketing, profit scoring, tax inspection, prisoner release, and payment of fines.?
