Vantagescore Solutions, LLC

Sherri Morris

Chuck Robida

Lisa Zarikian

Methods and systems for optimal partitioning of segments in a consumer credit segmentation tree comprising defining a first attribute-based independent variable on a first tree using a primary dependent variable having two classes, defining a second attribute-based independent variable on the first tree using the primary dependent variable, defining risk tiers for the first attribute-based independent variable on the first tree using a first risk score and the primary dependent variable, defining risk tiers for the second attribute-based independent variable on the first tree using a second risk score and the primary dependent variable, superimposing the first tree structure, based on the primary dependent variable, onto a second tree, and defining profiles in the risk tiers for the second attribute-based independent variable with a profile dependent variable having two classes, completing the second tree, wherein the second tree is used to segment a population according to credit related behavior.

Methods and systems for segmentation using multiple dependent variables

Provided are methods and systems by which a data sample can be generated in order to create a true multi-Credit Reporting Agency model, eliminating the biases and variability in traditional multi-CRA models by allowing the creation of a single multi-CRA method which requires neither alignment nor translation to be applicable on all CRAs.

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Lawrenceville, GA, United States of America

Sherri Morris