Scoring And Its Applications By L C Thomas Hot — Credit

If you reject applicants, your training sample is biased. Use Thomas’s “parceling” method: assign rejected applicants to risk bins based on application data only, then weight outcomes.

by L. C. Thomas Hot

The field is now moving into areas that Thomas anticipated but couldn’t yet implement due to computing limits: Generative AI and Network Scoring. credit scoring and its applications by l c thomas hot