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|English to Romanian translations [PRO]|
Bus/Financial - Finance (general)
Additional field(s): Real Estate
|English term or phrase: credit scoring|
|Definition from Investopedia:|
A statistical analysis performed by lenders and financial institutions to access a person's credit worthiness. Lenders use credit scoring, among other things, to arrive at a decision on whether to extend credit.
- If you have an existing credit card, the issuer is likely to look at your credit score to decide whether to increase your credit line -- or charge you a higher interest rate, according to a credit scoring study by the Consumer Federation of America and the National Credit Reporting Association. Bankrate, Inc.
- Credit scoring uses, where available, information from a bank's own records and may include data received from credit reference agencies. British Bankers' Association
- Credit scoring has been used by some creditors, particularly credit card issuers, for many years as a tool in making credit decisions. Mortgage lenders, however, have only recently begun using credit scoring to decide whether to make a loan and at what price. Federal Trade Commission
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|punctaj de bonitate|
Modalitate de analiză statistică privind capacitatea unei persoane sau a unui agent economic de a-şi îndeplini obligaţiile de plată, de exemplu pentru acordarea unui credit.
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