Credit Scorecard Combination

Definition

Credit Scorecard Combination is the process by which an institution may combine two or more scorecards to reach an untimate conclusion in a Credit Origination/Credit Decision process

Multicard Scoring Strategies

Broadly speaking possible strategies involve either a lower level statistical integration or a higher level outcome integration. The former is more suitable when the distinct scorecards concern identical Risk, whereas the latter can address a more complex Risk Profile

• Statistical Integration
• Logical Integration
  • Sequential Application
  • Matrix Application