An up-to-date, comprehensive overview of credit scoring, covering the scorecard development process, all aspects of its use and how it affects businesses and consumers, from micro-lending through to large unlisted companies. - ;The Credit Scoring Toolkit provides an all-encompassing view of the use of statistical models to assess retail credit risk and provide automated decisions. In eight modules, the book provides frameworks for both theory and practice. It first explores the economic justification and history of Credit Scoring, risk linkages and decision science, statistical and mathematica