White Paper

Comparing Scores and Reason Codes in Credit Scoring Systems

White Paper

Comparing Scores and Reason Codes in Credit Scoring Systems

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Our goal is to provide risk model explanations that are right for every consumer, every time. This white paper examines machine learning model explanations revealing distinct differences in model scores and reason codes that emerge from NeuroDecision® and unconstrained neural network credit risk models. 

Credit models using the NeuroDecision neural networks provide users with logical and actionable reason codes. This is critical in the event credit is denied or other adverse action is taken because they explain why the consumer was denied credit.