Viewing Decision Score Results
The
Decision Scores pane on the
Application page provides information about the scoring and decisioning of an application and its applicants.
This pane contains data resulting from rules processing, as well as reason lists showing the reasons that most affected the result.
Scoring information is the result of a request made by the Application Processing Module to the Analytic Module, if you have purchased it. The Analytic Module provides access to FICO® the Small Business Scoring Service. It accepts application and credit report data—for either consumer or business applications—used within the SBSS models to produce the scores and notification reasons.
The following fields in this pane appear under the name/number of each applicant/application, and if applicable, co-applicant:
- Scoring population: The information used to classify a population for scoring. Scoring populations are a subset of a credit portfolio that presents a unique risk or treatment requirement. Score cutoff values are specified in scoring populations.
- Score cutoff: The score above which the application is accepted. A score cutoff is a score value used when making decisions that an administrator with the proper permissions designates. Decisions can be based on whether scores fall below, are equal to, or exceed the cutoff value.
- Recommended score decision: The decision recommended by the system based on the score cutoff value. If the SBSS score is less than the score cutoff, then it is rejected; otherwise it is accepted.
- Model Score Reasons: A list of the reasons that most affected the score decision.