An analysis of consumer credit numerical scoring systems and the effect on military servicemen

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Authors
Johnson, Thomas Lawrence
Wojtkowski, William Stanley, Jr.
Subjects
Consumer credit
Point scoring
Credit scoring
Credit
Credit rating of servicemen
Advisors
Darbyshire, Leslie
Giauque, William C.
Date of Issue
1973-12
Date
December 1973
Publisher
Monterey, California. Naval Postgraduate School
Language
en_US
Abstract
The four objectives addressed were the description of credit scoring development, the identification of management uses and attendant disadvantages of scoring, an evaluation of the current and potential uses of scoring in banks and credit unions, and the determination of whether military servicemen are adversely affected by scoring. The conclusions reached were that the advantages of scoring appear to especially outweigh the disadvantages for large volume lending institutions with access to computers. A survey of the country's 100 largest banks and 100 largest federal credit unions indicated an apparent slowing of scoring growth. A sample of automobile loans of active duty servicemen scored on the systems of two commercial banks and one credit union provided limited evidence that servicemen are not treated fairly by credit scoring.
Type
Thesis
Description
Series/Report No
Department
Operations Research and Administrative Sciences
Organization
Naval Postgraduate School (U.S.)
Identifiers
NPS Report Number
Sponsors
Funder
Format
Citation
Distribution Statement
Approved for public release; distribution is unlimited.
Rights
This publication is a work of the U.S. Government as defined in Title 17, United States Code, Section 101. Copyright protection is not available for this work in the United States.
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