SAS: Building Credit Scorecards Using Credit Scoring for SAS® Enterprise Miner™

Over the past 30 years of growing demand, stronger competition and advances in computer technology, the traditional methods of making credit decisions that relied mostly on human judgment have been replaced by methods that use statistical models. Today, statistical models are used not only for deciding whether to accept an applicant (application scoring), but also to predict the likelihood of defaults among customers who have already been accepted (behavioral scoring) and to predict the likely