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
Two duties are answered on this page. The record must state what produced a result · EU AI Act Annex IV(2)(b) to (g) for the development process, data and training method, and ISO/IEC 42001 A.6.2.6 for the verification of an AI system. And the result must be re-derivable by someone who did not build it, which is what FDA Good Machine Learning Practice asks of a model whose performance is claimed.
Ledger
One entry per AI Model Version. An entry is written when the version is frozen, and it is corrected only with a stated reason.
No model versions yet.
Source repository
The connection that binds a model version to the code that produced it. Events awaiting a governance response come first.
| Date | Type | Reference | Commit | Message | Consequence | |
|---|---|---|---|---|---|---|
| 2026-02-20 | release | v7.1 | b3c1907 | Refit on 2025 book, add affordability features m.declerck | Independent validation required before the refit is used in production. | Answered |