داده‌های اعتباری و امتیازدهی: نخستین پیروزی داده‌های کلان و الگوریتم‌های کلان

__Credit Data and Scoring: The First Triumph of Big Data and Big Algorithms__ illuminates the often-hidden practice of predicting an individual’s economic responsibility. Written by a leading practitioner, it examines the international implications of US leadership in credit scoring and what other countries have learned from it in building their own systems. Through its comprehensive contemporary perspective, the book also explores how algorithms and big data are driving the future of credit scoring. By revealing a new big picture and data comparisons, it delivers useful insights into legal, regulatory and data manipulation. Cover Credit Data and Scoring: The First Triumph of Big Data and Big Algorithms Copyright Preface ONE - I used to have a reputation. Now I have a score Endnotes TWO - The credit industry in the United States Endnotes THREE - My credit report—some of it is right Identifying information Trade lines Credit inquiries Public record and collections Endnotes FOUR - Credit reporting agencies: playing the long game National consumer assistance plan: June 09, 2016 LexisNexis risk solutions is the answer to the lien and civil judgment data gap When access to most lien and judgment data is cut off later this year, it won't be business as usual What does LexisNexis RiskView Liens and Judgments report offer? Endnotes FIVE - Data errors to keep money renters happy Endnotes SIX - Historic complaints about credit accuracy Endnotes SEVEN - Differences in data between credit reporting agencies Endnotes EIGHT - Can credit errors be fixed? Probably not Disputes to furnishers Endnotes NINE - The mystery of credit scores Positive score factors Negative score factors Endnotes TEN - Making a credit score: it starts with data Endnote ELEVEN - Picking the Y variable, picking the X variables X variables Endnotes TWELVE - Calculating weight of evidence and information value THIRTEEN - Regressions FOURTEEN - Getting a sensible model FIFTEEN - Credit scores on the same borrower differ between CRAs SIXTEEN - The credit industry outside the United States Endnotes SEVENTEEN - List of practices by country Australia Austria Belgium Brazil Canada China Denmark France Germany Hong Kong India New FICO credit scores lets lenders expand access to credit in India Indonesia Italy Japan Malaysia Mexico The Netherlands Norway Russia Saudi Arabia Singapore South Africa South Korea Spain Switzerland Turkey United Arab Emirates United Kingdom United States Endnotes EIGHTEEN - Data security Conclusion NINETEEN - Algorithms and individuals Endnotes TWENTY - Something like a conclusion APPENDIX 1 - U.S. (and a little bit of European) law Making loans: Collecting and recording debts: Managing credit reporting: Data privacy and security: TILA ECOA FCBA CARD Act FCRA Gramm–Leach–Bliley Act (GLB, 1999) Per Wikipedia1: California Consumer Privacy Act (CCPA, 2018) General Data Protection Regulation, European Union, effective May 2018 APPENDIX 2 - Final rule on credit scores from FHFA § 1254.1 Purpose and scope § 1254.4 Requirements for use of a credit score § 1254.5 Solicitation of applications § 1254.6 Submission and initial review of applications § 1254.7 Credit Score Assessment § 1254.8 Enterprise Business Assessment § 1254.9 Determinations on applications § 1254.10 Withdrawal of application § 1254.11 Pilot programs APPENDIX 3 - Attachment: My credit report Summary Credit accounts Other items Revolving accounts Chase card Summary Account history Balance Actual payment Activity designator Payment history Account details Barclays bank delaware Summary Account history Balance Activity designator Payment history Account details Citicards CBNA (Closed) Summary Payment history Account details Bank of America (CLOSED) Summary Payment history Account details Mortgage accounts Bank of America Summary Payment history Account details First Tennessee Bank (Closed) Summary Payment history Account details Wells Fargo Home Mortgage (Closed) Summary Payment history Account details Bank of America (Closed) Summary Payment history Account details Huntington Mortgate (Closed) Summary Payment history Account details Installment accounts Ford Motor Credit Co. (Closed) Summary Payment history Account details Other accounts Consumer statements Personal information Identification Other identification Alert contact information Contact information Employment history Inquiries Hard inquiries Soft inquiries Public records Bankruptcies Judgments Liens Collections Dispute file information APPENDIX 4 - A summary of your rights under the Fair Credit Reporting Act You must be told if information in your file has been used against you You have the right to know what is in your file You have the right to ask for a credit score You have the right to dispute incomplete or inaccurate information Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information Consumer reporting agencies may not report outdated negative information Access to your file is limited You must give your consent for reports to be provided to employers You may limit “prescreened” offers of credit and insurance you get based on information in your credit file You may seek damages from violators APPENDIX 5 - Your rights under State law Statement of Rights of the Consumer - Annotated Code of Maryland Commercial Law Article (141201, et seq.) State Of Maryland - Notice to Consumers Index A B C D E F G H I J K L M N O P R S T U V W Y Z Back Cover Credit Data and Scoring: The First Triumph of Big Data and Big Algorithms illuminates the often-hidden practice of predicting an individual's economic responsibility. Written by a leading practitioner, it examines the international implications of US leadership in credit scoring and what other countries have learned from it in building their own systems. Through its comprehensive contemporary perspective, the book also explores how algorithms and big data are driving the future of credit scoring. By revealing a new big picture and data comparisons, it delivers useful insights into legal, regulatory and data manipulation. Provides insights into credit scoring goals and methods Examines U.S leadership in developing credit data and algorithms and how other countries depart from it Analyzes the growing influence of algorithms in data scoring "This book illuminates the often-hidden practice of predicting an individual's economic responsibility. Written by a leading practitioner, it examines the international implications of US leadership in credit scoring and what other countries have learned from it in building their own systems. Through its comprehensive contemporary perspective it also explores how algorithms and big data are driving the future of credit scoring. By revealing a new big picture and data comparisons, it delivers useful insights into legal, regulatory, and data manipulation"