{"id":"W2040626094","doi":"10.1111/j.1740-9713.2008.00287.x","title":"Credit this: How the Banks Decide Your Credit Score","year":2008,"lang":"en","type":"article","venue":"Significance","topic":"Insurance and Financial Risk Management","field":"Economics, Econometrics and Finance","cited_by":2,"is_retracted":false,"has_abstract":true,"ca_institutions":"Discovery Centre","funders":"","keywords":"Credit score; Business; Credit history; Credit risk; Actuarial science; Credit reference; Finance","routes":{"ca_aff":true,"ca_fund":false,"ca_venue":false,"about_ca":false,"invisible_to_affiliation_only":false},"retraction":null,"screen":null,"direct_labels":[],"prediction":{"model_version":"metacan-v3-hybrid-931329e0061c","candidate_categories":[],"consensus_categories":[],"category_scores_codex":[0.008103843,0.0004185207,0.0007873827,0.001463089,0.002456671,0.01263422,0.001095516,0.003239044,0.03747959],"category_scores_gemma":[0.07071166,0.0004921066,0.0003685233,0.001861434,0.002778893,0.006248326,0.001813204,0.00421513,0.008875184],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.002257537,"about_ca_system_score_gemma":0.001994438,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.01004739,"about_ca_topic_score_gemma":0.008367569,"domain_scores_codex":[0.9947398,0.003120268,0.0001901486,0.0005361018,0.0009296524,0.0004839241],"domain_scores_gemma":[0.9773501,0.01016077,0.001608714,0.001069386,0.006692102,0.003118952],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"not_applicable","study_design_gemma":"not_applicable","study_design_scores_codex":[0.001101407,0.0005136133,0.08288176,0.0001748307,0.0002428042,0.0003602883,0.004557093,0.009613182,0.002904767,0.1502737,0.4113435,0.336033],"study_design_scores_gemma":[0.0003544918,0.0003151821,0.0754975,0.0004982866,0.0002154925,0.0003283166,0.01289054,0.05567968,0.004832202,0.6955022,0.1534594,0.0004267973],"study_design_candidate":"not_applicable","study_design_consensus":"not_applicable","genre_codex":"other","genre_gemma":"commentary","genre_scores_codex":[0.3349059,0.005935988,0.04994884,0.2531829,0.004112764,0.0003405552,0.001673975,0.001157911,0.3487412],"genre_scores_gemma":[0.9667131,0.0009283126,0.006808633,0.005035859,0.0003729117,0.00006674649,0.0002860899,0.00019263,0.01959561],"genre_candidate":"commentary","genre_consensus":null,"teacher_disagreement_score":0.03747959,"threshold_uncertainty_score":0.1253817,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.06358386557015469,"score_gpt":0.2212335196120507,"score_spread":0.157649654041896,"validation_status":"score_only:v0-immature-baseline","note":"Baseline scores from an immature model (maturity gate not passed). Scores rank; they never assert a category."}}