It looks like you are running Internet Explorer in compatability mode, please turn this off to benefit from all functionality on this website.

To do this, click the blue broken page icon in your browser address bar (example below).

compatability mode


It looks like you aren't running java, please turn this on to get the best user experience

Cookies & Privacy

By continuing to use this site, you consent to our use of cookies to optimise your browsing experience.

Learn More

Unintended consequences


When it was lawful to include gender in a credit scorecard, it was universally included. This is because gender is predictive of the risk of default, indeed at the time it was ranked in the top 6 of all predictive characteristics.

As the machinations of scorecards are kept very secret, only very few knew exactly how gender affected a credit score. The generally held view, never challenged, was that the inclusion of gender in credit scorecards and in other automated decision processes was damaging to women. Even government regulators at the time believed that the existing decisioning systems prejudiced women.

So when equality law required the removal of gender from scorecards, the truth came out. Women are more discipline .....

Full Article

20 Aug 2019 by Barry Stamp Credit Score

To Top