Abstract
For centuries, before there was such a tning as creditscoring, credit grantors used their personal judgement to make credit decisions. In 1941 the first article about creditscoring was published. In this article Durand asserted the possibility to predict which applicants were most likely to go bad by systematically studying the characteristics of borrowers who had done so in the past. It was not until 1958, 17 years later, when the first creditscoring system for a finance company was launched in the USA.
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© 1988 Springer-Verlag Berlin Heidelberg
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Naamani, O. (1988). Credit Scoring System. In: Schellhaas, H., van Beek, P., Isermann, H., Schmidt, R., Zijlstra, M. (eds) DGOR/NSOR. Operations Research Proceedings, vol 1987. Springer, Berlin, Heidelberg. https://doi.org/10.1007/978-3-642-73778-7_98
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DOI: https://doi.org/10.1007/978-3-642-73778-7_98
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