Credit scoring is a scale for to calculate credit risk which is extracted and calculated from
credit reports with standard formulas.
A decent credit score is achieved if bills and loans are paid off and amortized and is a
determiner for a person's willingness to pay installment on loans.
On the other hand, inappropriate credit scoring would be a result of untimely payment of
installments, negative record including bankruptcy, bouncing checks, negative records
regarding tax paying as well as a negative record in databases of other suppliers of