{"id":"https://openalex.org/W1975997662","doi":"https://doi.org/10.1057/palgrave.jors.2601225","title":"A study in the combination of two consumer credit scores","display_name":"A study in the combination of two consumer credit scores","publication_year":2001,"publication_date":"2001-09-01","ids":{"openalex":"https://openalex.org/W1975997662","doi":"https://doi.org/10.1057/palgrave.jors.2601225","mag":"1975997662"},"language":"en","primary_location":{"id":"doi:10.1057/palgrave.jors.2601225","is_oa":false,"landing_page_url":"https://doi.org/10.1057/palgrave.jors.2601225","pdf_url":null,"source":{"id":"https://openalex.org/S169988927","display_name":"Journal of the Operational Research Society","issn_l":"0160-5682","issn":["0160-5682","1476-9360"],"is_oa":false,"is_in_doaj":false,"is_core":true,"host_organization":"https://openalex.org/P4310319703","host_organization_name":"Palgrave Macmillan","host_organization_lineage":["https://openalex.org/P4310319703","https://openalex.org/P4310319965"],"host_organization_lineage_names":["Palgrave Macmillan","Springer Nature"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Journal of the Operational Research Society","raw_type":"journal-article"},"type":"article","indexed_in":["crossref"],"open_access":{"is_oa":false,"oa_status":"closed","oa_url":null,"any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5100757520","display_name":"H. Zhu","orcid":"https://orcid.org/0000-0001-8066-7048"},"institutions":[{"id":"https://openalex.org/I51556381","display_name":"University of Virginia","ror":"https://ror.org/0153tk833","country_code":"US","type":"education","lineage":["https://openalex.org/I51556381"]}],"countries":["US"],"is_corresponding":false,"raw_author_name":"H Zhu","raw_affiliation_strings":["University of Virginia Charlottesville VA USA"],"affiliations":[{"raw_affiliation_string":"University of Virginia Charlottesville VA USA","institution_ids":["https://openalex.org/I51556381"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5056670558","display_name":"Peter A. Beling","orcid":"https://orcid.org/0000-0003-2196-6982"},"institutions":[{"id":"https://openalex.org/I51556381","display_name":"University of Virginia","ror":"https://ror.org/0153tk833","country_code":"US","type":"education","lineage":["https://openalex.org/I51556381"]}],"countries":["US"],"is_corresponding":true,"raw_author_name":"P A Beling","raw_affiliation_strings":["University of Virginia Charlottesville VA USA"],"affiliations":[{"raw_affiliation_string":"University of Virginia Charlottesville VA USA","institution_ids":["https://openalex.org/I51556381"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5058473381","display_name":"George A. Overstreet","orcid":"https://orcid.org/0000-0002-5552-2653"},"institutions":[{"id":"https://openalex.org/I51556381","display_name":"University of Virginia","ror":"https://ror.org/0153tk833","country_code":"US","type":"education","lineage":["https://openalex.org/I51556381"]}],"countries":["US"],"is_corresponding":false,"raw_author_name":"G A Overstreet","raw_affiliation_strings":["University of Virginia Charlottesville VA USA"],"affiliations":[{"raw_affiliation_string":"University of Virginia Charlottesville VA USA","institution_ids":["https://openalex.org/I51556381"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":3,"corresponding_author_ids":["https://openalex.org/A5056670558"],"corresponding_institution_ids":["https://openalex.org/I51556381"],"apc_list":null,"apc_paid":null,"fwci":0.6357,"has_fulltext":false,"cited_by_count":26,"citation_normalized_percentile":{"value":0.78294359,"is_in_top_1_percent":false,"is_in_top_10_percent":false},"cited_by_percentile_year":{"min":89,"max":97},"biblio":{"volume":"52","issue":"9","first_page":"974","last_page":"980"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T12879","display_name":"Distributed Sensor Networks and Detection Algorithms","score":0.9984999895095825,"subfield":{"id":"https://openalex.org/subfields/1705","display_name":"Computer Networks and Communications"},"field":{"id":"https://openalex.org/fields/17","display_name":"Computer Science"},"domain":{"id":"https://openalex.org/domains/3","display_name":"Physical Sciences"}},"topics":[{"id":"https://openalex.org/T12879","display_name":"Distributed Sensor Networks and Detection Algorithms","score":0.9984999895095825,"subfield":{"id":"https://openalex.org/subfields/1705","display_name":"Computer Networks and Communications"},"field":{"id":"https://openalex.org/fields/17","display_name":"Computer Science"},"domain":{"id":"https://openalex.org/domains/3","display_name":"Physical Sciences"}},{"id":"https://openalex.org/T10136","display_name":"Statistical Methods and Inference","score":0.9890000224113464,"subfield":{"id":"https://openalex.org/subfields/2613","display_name":"Statistics and Probability"},"field":{"id":"https://openalex.org/fields/26","display_name":"Mathematics"},"domain":{"id":"https://openalex.org/domains/3","display_name":"Physical Sciences"}},{"id":"https://openalex.org/T10243","display_name":"Statistical Methods and Bayesian Inference","score":0.9702000021934509,"subfield":{"id":"https://openalex.org/subfields/2613","display_name":"Statistics and Probability"},"field":{"id":"https://openalex.org/fields/26","display_name":"Mathematics"},"domain":{"id":"https://openalex.org/domains/3","display_name":"Physical Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/credit-score","display_name":"Credit score","score":0.6935899257659912},{"id":"https://openalex.org/keywords/measure","display_name":"Measure (data warehouse)","score":0.48100146651268005},{"id":"https://openalex.org/keywords/score","display_name":"Score","score":0.4548552334308624},{"id":"https://openalex.org/keywords/population","display_name":"Population","score":0.453750878572464},{"id":"https://openalex.org/keywords/computer-science","display_name":"Computer science","score":0.4356886148452759},{"id":"https://openalex.org/keywords/actuarial-science","display_name":"Actuarial science","score":0.4288167953491211},{"id":"https://openalex.org/keywords/profit","display_name":"Profit (economics)","score":0.4156396687030792},{"id":"https://openalex.org/keywords/standard-score","display_name":"Standard score","score":0.4136480689048767},{"id":"https://openalex.org/keywords/econometrics","display_name":"Econometrics","score":0.36846962571144104},{"id":"https://openalex.org/keywords/statistics","display_name":"Statistics","score":0.36787575483322144},{"id":"https://openalex.org/keywords/machine-learning","display_name":"Machine learning","score":0.29702290892601013},{"id":"https://openalex.org/keywords/medicine","display_name":"Medicine","score":0.279377281665802},{"id":"https://openalex.org/keywords/data-mining","display_name":"Data mining","score":0.2561018168926239},{"id":"https://openalex.org/keywords/mathematics","display_name":"Mathematics","score":0.20339784026145935},{"id":"https://openalex.org/keywords/economics","display_name":"Economics","score":0.16169697046279907},{"id":"https://openalex.org/keywords/environmental-health","display_name":"Environmental health","score":0.07213523983955383}],"concepts":[{"id":"https://openalex.org/C2777138686","wikidata":"https://www.wikidata.org/wiki/Q1787103","display_name":"Credit score","level":2,"score":0.6935899257659912},{"id":"https://openalex.org/C2780009758","wikidata":"https://www.wikidata.org/wiki/Q6804172","display_name":"Measure (data warehouse)","level":2,"score":0.48100146651268005},{"id":"https://openalex.org/C65660741","wikidata":"https://www.wikidata.org/wiki/Q3952743","display_name":"Score","level":2,"score":0.4548552334308624},{"id":"https://openalex.org/C2908647359","wikidata":"https://www.wikidata.org/wiki/Q2625603","display_name":"Population","level":2,"score":0.453750878572464},{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.4356886148452759},{"id":"https://openalex.org/C162118730","wikidata":"https://www.wikidata.org/wiki/Q1128453","display_name":"Actuarial science","level":1,"score":0.4288167953491211},{"id":"https://openalex.org/C181622380","wikidata":"https://www.wikidata.org/wiki/Q26911","display_name":"Profit (economics)","level":2,"score":0.4156396687030792},{"id":"https://openalex.org/C20256973","wikidata":"https://www.wikidata.org/wiki/Q1050272","display_name":"Standard score","level":2,"score":0.4136480689048767},{"id":"https://openalex.org/C149782125","wikidata":"https://www.wikidata.org/wiki/Q160039","display_name":"Econometrics","level":1,"score":0.36846962571144104},{"id":"https://openalex.org/C105795698","wikidata":"https://www.wikidata.org/wiki/Q12483","display_name":"Statistics","level":1,"score":0.36787575483322144},{"id":"https://openalex.org/C119857082","wikidata":"https://www.wikidata.org/wiki/Q2539","display_name":"Machine learning","level":1,"score":0.29702290892601013},{"id":"https://openalex.org/C71924100","wikidata":"https://www.wikidata.org/wiki/Q11190","display_name":"Medicine","level":0,"score":0.279377281665802},{"id":"https://openalex.org/C124101348","wikidata":"https://www.wikidata.org/wiki/Q172491","display_name":"Data mining","level":1,"score":0.2561018168926239},{"id":"https://openalex.org/C33923547","wikidata":"https://www.wikidata.org/wiki/Q395","display_name":"Mathematics","level":0,"score":0.20339784026145935},{"id":"https://openalex.org/C162324750","wikidata":"https://www.wikidata.org/wiki/Q8134","display_name":"Economics","level":0,"score":0.16169697046279907},{"id":"https://openalex.org/C99454951","wikidata":"https://www.wikidata.org/wiki/Q932068","display_name":"Environmental health","level":1,"score":0.07213523983955383},{"id":"https://openalex.org/C175444787","wikidata":"https://www.wikidata.org/wiki/Q39072","display_name":"Microeconomics","level":1,"score":0.0}],"mesh":[],"locations_count":2,"locations":[{"id":"doi:10.1057/palgrave.jors.2601225","is_oa":false,"landing_page_url":"https://doi.org/10.1057/palgrave.jors.2601225","pdf_url":null,"source":{"id":"https://openalex.org/S169988927","display_name":"Journal of the Operational Research Society","issn_l":"0160-5682","issn":["0160-5682","1476-9360"],"is_oa":false,"is_in_doaj":false,"is_core":true,"host_organization":"https://openalex.org/P4310319703","host_organization_name":"Palgrave Macmillan","host_organization_lineage":["https://openalex.org/P4310319703","https://openalex.org/P4310319965"],"host_organization_lineage_names":["Palgrave Macmillan","Springer Nature"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Journal of the Operational Research Society","raw_type":"journal-article"},{"id":"pmh:oai:RePEc:pal:jorsoc:v:52:y:2001:i:9:d:10.1057_palgrave.jors.2601225","is_oa":false,"landing_page_url":"http://link.springer.com/10.1057/palgrave.jors.2601225","pdf_url":null,"source":{"id":"https://openalex.org/S4306401271","display_name":"RePEc: Research Papers in Economics","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"host_organization":"https://openalex.org/I77793887","host_organization_name":"Federal Reserve Bank of St. Louis","host_organization_lineage":["https://openalex.org/I77793887"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":null,"raw_type":"article"}],"best_oa_location":null,"sustainable_development_goals":[],"awards":[],"funders":[],"has_content":{"pdf":false,"grobid_xml":false},"content_urls":null,"referenced_works_count":1,"referenced_works":["https://openalex.org/W2038160815"],"related_works":["https://openalex.org/W4283024021","https://openalex.org/W2102837403","https://openalex.org/W2808665041","https://openalex.org/W2379878928","https://openalex.org/W1525863848","https://openalex.org/W138321944","https://openalex.org/W2364025917","https://openalex.org/W2922396969","https://openalex.org/W3111794493","https://openalex.org/W3126810458"],"abstract_inverted_index":{"Credit":[0],"scores":[1,48,133,145],"measure":[2,76],"the":[3,17,25,35,79,86,112,118,122,129,136,144],"creditworthiness":[4],"of":[5,10,19,37,42,81,88,92,143],"individuals":[6],"in":[7],"a":[8,58,73,89,93,103],"population":[9],"interest.":[11],"In":[12,69],"this":[13],"paper,":[14],"we":[15,71],"employ":[16,72],"concepts":[18],"sufficiency":[20,43],"and":[21,97],"extraneousness":[22],"to":[23,46,55,66,77,128,135],"study":[24],"conditions":[26],"under":[27],"which":[28,139,147],"scoring":[29],"results":[30,109],"can":[31],"be":[32],"improved":[33],"through":[34],"combination":[36,91],"individual":[38],"scores.":[39,68,83],"The":[40],"concept":[41],"is":[44,53,115,125,149],"used":[45,54],"identify":[47],"that":[49,111],"are":[50],"dominant.":[51],"Extraneousness":[52],"determine":[56],"whether":[57],"particular":[59],"score":[60,96,101,114,124],"provides":[61],"additional":[62],"useful":[63],"information":[64],"relative":[65],"other":[67],"addition,":[70],"profit-based":[74],"utility":[75],"evaluate":[78],"performance":[80,87],"different":[82],"We":[84],"investigate":[85],"regression-based":[90],"bureau":[94,113,123],"credit":[95,100],"an":[98],"application":[99,119],"on":[102],"large":[104],"historical":[105],"data":[106],"set.":[107],"Our":[108],"show":[110],"dominated":[116],"by":[117],"score,":[120,138],"but":[121],"not":[126],"extraneous":[127],"combination.":[130],"Thus,":[131],"both":[132,142],"contribute":[134],"combined":[137],"indeed":[140],"outperforms":[141],"upon":[146],"it":[148],"based.":[150]},"counts_by_year":[{"year":2023,"cited_by_count":1},{"year":2016,"cited_by_count":2},{"year":2015,"cited_by_count":3},{"year":2014,"cited_by_count":3},{"year":2013,"cited_by_count":2},{"year":2012,"cited_by_count":3}],"updated_date":"2025-11-06T03:46:38.306776","created_date":"2025-10-10T00:00:00"}