Interestingly, the recent work of Albanesi and Nosal (2015) on the bankruptcy law reform of 2005 suggests that defaults on student loans may have even more detrimental consequences on credit scores and access to new credit than filing for bankruptcy, since the latter clears other forms of ...
The company does not perform any credit checks, as user credit scores are meaningless to the loan application process. Borrowed money is fully secured by cryptocurrency and is based on the loan-to-value ratio. Because of this, even if users cannot repay their loan, their credit score will no...
For that reason, the features selected for each data set of the present work were based on the ones referred to in credit scoring models, with the time range of their collection being the only difference for some attributes during the loan payment period (from approval to due date). Some ...
Big area under PRC (AUPRC) represents both high precision and high recall, where high precision corresponds to low false positive frequency and high recall corresponds to low false negative frequency. High scores for precision and recall indicate that classifier predicts accurate results and also most...