To develop a model, a creditor selects a random sample of its customers, or a sample of similar customers if their sample is not large enough, and analyzes it statistically to identify characteristics that relate to creditworthiness. Then, each of these factors is assigned a weight based on how strong a predictor it is of who would be a good credit risk. Each creditor may use its own credit scoring model, different scoring models for different types of credit, or a generic model developed by a credit scoring company.
Under the Equal Credit Opportunity Act, a credit scoring system may not use certain characteristics like -- race, sex, marital status, national origin, or religion -- as factors. However, creditors are allowed to use age in properly designed scoring systems. But any scoring system that includes age must give equal treatment to elderly applicants.
License Info:
Everwise Home Loans and Realty is licensed and/or registered to conduct residential mortgage origination under NMLS #1739012 and in: Arizona Lic #1002618; California DRE Lic/Reg #02067255, Colorado under its NMLS #1739012; Florida Lic/Reg #MBR3070; Oregon Lic/Reg #ML-5713; Washington Lic/Reg #MB-1739012. https://nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1739012
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Everwise Home Loans & Realty 15615 Alton Pkwy, Suite 450 Irvine, CA 92618 Phone: 833-4EVERWISE [email protected]
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