Consumer Credit Scorecard
Score unsecured consumer credit applications and return a probability of default with the four principal reasons for the score.
- Status
- In operation
- State
- Deployed
- Owner
- Louis Wu
- Record completeness
- 56
100, less 12 for each open blocker and 4 for each warning. It measures the record, not the performance of the AI System.
The system is in operation while its record stands below the floor of 70. That contradiction is raised as blocker STATE-01.
- Blockers
- 3
Findings are computed from record state on every read, evaluated on 2026-07-30. Nothing here is stored on a record.
Blockers
A blocker stops a governance gate from passing.
The AI System is approved for operation but no model version is marked deployed.
- Affects
- SystemAIS-004
- Effect
- The deployed configuration cannot be evidenced.
A material model is validated by a function independent of the developer, at least annually.
- Affects
- SystemAIS-004
- Effect
- Blocks continued use of the model in production decisions.
2 other blockers are open against this AI System, which puts readiness at 68. A system in use is expected to stand at 70 or above with no blocker open.
- Affects
- SystemAIS-004
- Effect
- The state declared on the record is not supported by the records behind it. Either finish the record, or move the system back to a state it can support.
Warnings
A warning lowers readiness but does not stop a gate.
Permitted change is undefined, so every change needs a new authorisation.
- Affects
- SystemAIS-004
- Effect
- No PCCP can be generated.
A model that decides access to a financial service carries a discrimination hazard, whether or not it is realised.
- Affects
- SystemAIS-004
- Effect
- Weakens the risk file and the Article 10 data governance position.
For information
Recorded so nothing is silently dropped.
PSI 0.19 on the applicant mix against a 0.25 action threshold. Monitoring. Observed 2026-07-25.
- Affects
- SystemAIS-004
- Effect
- Requires triage and a recorded response.