Post by account_disabled on Jan 30, 2024 4:20:37 GMT -6
Social survival depends on interactivity between people in which there is the purchase and sale of goods [movable and immovable], rent, provision of services, entertainment, romantic, social, family relationships and with public authorities. The consumption relationship is obvious and objective, someone provides it as a professional activity and the person buys or uses it out of personal need. Consumers often do not have much money at their disposal, requiring credit. From that moment on, the position of the most astute grows to the detriment of the most vulnerable, seized by the desperation of disconnecting themselves from a certain economic situation that afflicts them, or else, with the aim of making a dream come true [own house, sports car, apartment summer.
In the meantime, the financial or credit institution has Buy Phone Number List not strayed from its profit objective, and to this end it continues to devise increasingly effective methods to minimize the risks of the applicant's default. In this sense, the credit score method arises, which prompted the Superior Court of Justice to edit summary 550, which says: “The use of credit scores, a statistical method of risk assessment that does not constitute a database, does not require consumer consent. , who will have the right to request clarifications about the personal information valued and the sources of data considered in the respective calculation”.
But what does the credit score mean? It involves the use of mathematics, in its probability aspect, to evaluate and score consumers who wish to obtain loans, taking into account their personal and professional characteristics. It is also known as a credit scoring system, and is called “ credit scoring ”, “ behavior scoring ”. The expression credit score emerged in the United States due to the work of David Durand, in 1941 called “ Risk Elements in Consumer Installment Financing ”. He was the first researcher at the National Bureau of Economic Research (NY – USA) to present a model that assigned weights to each of the variables using discriminant analysis.
In the meantime, the financial or credit institution has Buy Phone Number List not strayed from its profit objective, and to this end it continues to devise increasingly effective methods to minimize the risks of the applicant's default. In this sense, the credit score method arises, which prompted the Superior Court of Justice to edit summary 550, which says: “The use of credit scores, a statistical method of risk assessment that does not constitute a database, does not require consumer consent. , who will have the right to request clarifications about the personal information valued and the sources of data considered in the respective calculation”.
But what does the credit score mean? It involves the use of mathematics, in its probability aspect, to evaluate and score consumers who wish to obtain loans, taking into account their personal and professional characteristics. It is also known as a credit scoring system, and is called “ credit scoring ”, “ behavior scoring ”. The expression credit score emerged in the United States due to the work of David Durand, in 1941 called “ Risk Elements in Consumer Installment Financing ”. He was the first researcher at the National Bureau of Economic Research (NY – USA) to present a model that assigned weights to each of the variables using discriminant analysis.