This series of blog posts tries to cover the theory behind credit scoring and models typically used in consumer lending domain.

本系列博文将针对消费贷款领域的信用评分及其模型进行相关研究探讨。

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Secondly, this paper looks at some theories about consumer credit and personal credit-scoring, and then Outlines the development of techniques applied in credit-scoring models.

第二章论述了消费信贷和个人信用评分的有关理论问题，以及关于个人信用评分模型的文献综述。

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"You look no different than somebody with a big fat balance, " says John Ulzheimer, president of consumer education at SmartCredit.com, which sells credit-score monitoring services based on its own scoring formulas.

WSJ: Getting Going: Why the Latest Credit-Score Fixes Fall Short