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But in March, when Mr. Graham applied for a mortgage, he said he found that his credit score -- a figure derived from credit accounts and bill-paying history, aimed at identifying who is most likely to repay debt -- had dropped and he could not get the rate he wanted.
(b) Income derived from credit life insurance sales to loan customers may be credited to an affiliate operating under the Bank Holding Company Act of 1956, 12 U.S.C. 1841et seq., or to a trust for the benefit of all shareholders, provided that the bank receives reasonable compensation in recognition of the role played by its personnel, premises, and good will in credit life insurance sales.
This is just one example of how advanced analytics using big data derived from credit databases can help achieve the goal of greater financial inclusion.
Those credit scores don't magically appear -- they are derived from credit habits.
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The investments, which are derived from credit-default swaps, are attractive because they offer investors a higher yield than run-of-the-mill corporate credit, especially as demand for junk bonds grows.
But your credit score -- the number derived from your credit history and used by lenders when you apply for a credit card or mortgage -- was harder to come by.
Your credit score is derived from your credit reports.
But consumers generally do not get free copies of their credit scores, which are numerical snapshots derived from your credit report.
The algorithms have been implemented in an open-source DMN editor and tested on large decision tables derived from a credit lending dataset.
The calculation of net income derived from carbon credit for SHP projects was done through the Microsoft® Excel® spreadsheet from Michellis Junior [18], based on the CDM guidelines as recommended in the UN Convention on Climate Change, Ministry of Science and Technology.
Furthermore, given that banks tend to compensate costs derived from earmarked credit via higher spreads in non-earmarked lending, the relationship between basic interest rates and financial costs became increasingly distorted.
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CEO of Professional Science Editing for Scientists @ prosciediting.com