Sentences with phrase «score model is used»

No single credit score or credit score model is used by every lender.

It depends on the individual's unique credit history and the particular scoring model being used,» says Griffin.

However, if you make the effort to ensure that information in your credit report is accurate and positive, you are likely to have a good credit score — no matter which scoring model is used.

FICO — whose scoring model is used for most lending decisions in this country — says it doesn't consider those payments.

What is considered a bad credit score can vary depending on the credit scoring model being used but, ultimately, it comes down to what each lender considers a «bad» credit score.

It's important to know which combination of credit report / credit scoring model is used when assessing your credit score.

A whopping 70 percent of applicants have a better credit profile when this new credit scoring model is used compared to the traditional FICO score, according to Tim Grace, senior vice president of product management at CoreLogic.

Some scoring models are used for educational purposes only and are not used by lenders.

That is why it may be necessary to find out which scoring model is used to calculate your credit score.

VantageScore has ranges of 501 to 990 and 300 to 850, depending on which version of the scoring model is used.

Not exact matches

Because these lenders use scoring models designed for either big businesses or individual consumers, they're forced to try to apply their template for individuals to a small business.

At the other end of the spectrum, Mail Boxes Etc. uses a scale of minus 2 to 2 for each of 20 criteria, which are weighted to arrive at a total score; Jinwoong, the sporting - goods marketer, uses an «eight - link chain» model for managing decisions about potential new products; the links detail the company's strengths in eight areas, such as distribution and in - store merchandising.

Scores Equifax sold to consumers were based on Equifax's proprietary model, the Equifax Credit Score, which is an «educational» credit score that also is typically not used by lenders to make credit decisScore, which is an «educational» credit score that also is typically not used by lenders to make credit decisscore that also is typically not used by lenders to make credit decisions.

The FICO score is based on a model created by Fair Isaac Corporation and is the most commonly used credit score.

On top of that, lenders will use their own models of these scores based on the product they're selling.

The project is detailed in the contract as a seven step process — with Kogan's company, GSR, generating an initial seed sample (though it does not specify how large this is here) using «online panels»; analyzing this seed training data using its own «psychometric inventories» to try to determine personality categories; the next step is Kogan's personality quiz app being deployed on Facebook to gather the full dataset from respondents and also to scrape a subset of data from their Facebook friends (here it notes: «upon consent of the respondent, the GS Technology scrapes and retains the respondent's Facebook profile and a quantity of data on that respondent's Facebook friends»); step 4 involves the psychometric data from the seed sample, plus the Facebook profile data and friend data all being run through proprietary modeling algorithms — which the contract specifies are based on using Facebook likes to predict personality scores, with the stated aim of predicting the «psychological, dispositional and / or attitudinal facets of each Facebook record»; this then generates a series of scores per Facebook profile; step 6 is to match these psychometrically scored profiles with voter record data held by SCL — with the goal of matching (and thus scoring) at least 2M voter records for targeting voters across the 11 states; the final step is for matched records to be returned to SCL, which would then be in a position to craft messages to voters based on their modeled psychometric scores.

My credit utilization is consistently < 1 % and my score is well in the 800's, varying based on bureau and model used.

A lender will opt to use a particular credit score model based on their preference and type of transaction being considered.

How much it helps, depends on the particular scoring model that is being used, but it's safe to say that a long credit history showing on time payments on various accounts helps, and won't hurt, your credit scores.

The Sender Score is derived using a formula developed by Return Path based on modeling sending IPs versus their likelihood of engaging in behaviors viewed negatively by ISPs and filtering companies.

Currently, Fair Isaac Corp's FICO score and Vantage are two of the most widely used scoring models in the country.

There are different credit scoring models which may be used by lenders and insurers.

«The credit score model the GSEs essentially require mortgage originators to use for mortgage lending — FICO 4 — is outdated, based on models estimated in the late 1990s.

«The credit score model used by the GSEs needs to be updated,» writes Laurie Goodman at Urban Institute.

This is an incredibly difficult question to answer for a variety of reasons, most importantly because over the years our once vaunted «beautiful» style of play has become a shadow of it's former self, only to be replaced by a less than stellar «plug and play» mentality where players play out of position and adjustments / substitutions are rarely forthcoming before the 75th minute... if you look at our current players, very few would make sense in the traditional Wengerian system... at present, we don't have the personnel to move the ball quickly from deep - lying position, efficient one touch midfielders that can make the necessary through balls or the disciplined and pacey forwards to stretch defences into wide positions, without the aid of the backs coming up into the final 3rd, so that we can attack the defensive lanes in the same clinical fashion we did years ago... on this current squad, we have only 1 central defender on staf, Mustafi, who seems to have any prowess in the offensive zone or who can even pass two zones through so that we can advance play quickly out of our own end (I have seen some inklings that suggest Holding might have some offensive qualities but too early to tell)... unfortunately Mustafi has a tendency to get himself in trouble when he gets overly aggressive on the ball... from our backs out wide, we've seen pace from the likes of Bellerin and Gibbs and the spirited albeit offensively stunted play of Monreal, but none of these players possess the skill - set required in the offensive zone for the new Wenger scheme which requires deft touches, timely runs to the baseline and consistent crossing, especially when Giroud was playing and his ratio of scored goals per clear chances was relatively low (better last year though)... obviously I like Bellerin's future prospects, as you can't teach pace, but I do worry that he regressed last season, which was obvious to Wenger because there was no way he would have used Ox as the right side wing - back so often knowing that Barcelona could come calling in the off - season, if he thought otherwise... as for our midfielders, not a single one, minus the more confident Xhaka I watched played for the Swiss national team a couple years ago, who truly makes sense under the traditional Wenger model... Ramsey holds onto the ball too long, gives the ball away cheaply far too often and abandons his defensive responsibilities on a regular basis (doesn't score enough recently to justify): that being said, I've always thought he does possess a little something special, unfortunately he thinks so too... Xhaka is a little too slow to ever boss the midfield and he tends to telegraph his one true strength, his long ball play: although I must admit he did get a bit better during some points in the latter part of last season... it always made me wonder why whenever he played with Coq Wenger always seemed to play Francis in a more advanced role on the pitch... as for Coq, he is way too reckless at the wrong times and has exhibited little offensive prowess yet finds himself in and around the box far too often... let's face it Wenger was ready to throw him in the trash heap when injuries forced him to use Francis and then he had the nerve to act like this was all part of a bigger Wenger constructed plan... he like Ramsey, Xhaka and Elneny don't offer the skills necessary to satisfy the quick transitory nature of our old offensive scheme or the stout defensive mindset needed to protect the defensive zone so that our offensive players can remain aggressive in the final third... on the front end, we have Ozil, a player of immense skill but stunted by his physical demeanor that tends to offend, the fact that he's been played out of position far too many times since arriving and that the players in front of him, minus Sanchez, make little to no sense considering what he has to offer (especially Giroud); just think about the quick counter-attack offence in Real or the space and protection he receives in the German National team's midfield, where teams couldn't afford to focus too heavily on one individual... this player was a passing «specialist» long before he arrived in North London, so only an arrogant or ignorant individual would try to reinvent the wheel and / or not surround such a talent with the necessary components... in regards to Ox, Walcott and Welbeck, although they all possess serious talents I see them in large part as headless chickens who are on the injury table too much, lack the necessary first - touch and / or lack the finishing flair to warrant their inclusion in a regular starting eleven; I would say that, of the 3, Ox showed the most upside once we went to a back 3, but even he became a bit too consumed by his pending contract talks before the season ended and that concerned me a bit... if I had to choose one of those 3 players to stay on it would be Ox due to his potential as a plausible alternative to Bellerin in that wing - back position should we continue to use that formation... in Sanchez, we get one of the most committed skill players we've seen on this squad for some years but that could all change soon, if it hasn't already of course... strangely enough, even he doesn't make sense given the constructs of the original Wenger offensive model because he holds onto the ball too long and he will give the ball up a little too often in the offensive zone... a fact that is largely forgotten due to his infectious energy and the fact that the numbers he has achieved seem to justify the means... finally, and in many ways most crucially, Giroud, there is nothing about this team or the offensive system that Wenger has traditionally employed that would even suggest such a player would make sense as a starter... too slow, too inefficient and way too easily dispossessed... once again, I think he has some special skills and, at times, has showed some world - class qualities but he's lack of mobility is an albatross around the necks of our offence... so when you ask who would be our best starting 11, I don't have a clue because of the 5 or 6 players that truly deserve a place in this side, 1 just arrived, 3 aren't under contract beyond 2018 and the other was just sold to Juve... man, this is theraputic because following this team is like an addiction to heroin without the benefits

One way to use FantasyLabs to find potential value golfers in our Models is to leverage our LT Adj Rd Score metric.

To assess the robustness of the results of our regression analysis, we performed covariate adjustment with derived propensity scores to calculate the absolute risk difference (details are provided in the Supplementary Appendix, available with the full text of this article at NEJM.org).14, 15 To calculate the adjusted absolute risk difference, we used predictive margins and G - computation (i.e., regression - model — based outcome prediction in both exposure settings: planned in - hospital and planned out - of - hospital birth).16, 17 Finally, we conducted post hoc analyses to assess associations between planned out - of - hospital birth and outcomes (cesarean delivery and a composite of perinatal morbidity and mortality), which were stratified according to parity, maternal age, maternal education, and risk level.

We used multiple regression to estimate the differences in total cost between the settings for birth and to adjust for potential confounders, including maternal age, parity, ethnicity, understanding of English, marital status, BMI, index of multiple deprivation score, parity, and gestational age at birth, which could each be associated with planned place of birth and with adverse outcomes.12 For the generalised linear model on costs, we selected a γ distribution and identity link function in preference to alternative distributional forms and link functions on the basis of its low Akaike's information criterion (AIC) statistic.

Models were developed using the following possible predictors of breastfeeding duration: maternal race, maternal education, paternal education, maternal age, socioeconomic status, 22 marital status, parity, mode of delivery, previous breastfeeding experience, timing of feeding method selection, problems with pregnancy / labor / delivery, breastfeeding goal (weeks), family preference for breastfeeding, paternal preference for breastfeeding, having friends who breastfed, randomization group, 16 plans to return to work, infant's 5 - minute Apgar score, and infant's age in minutes when first breastfed (first successful latch and feeding).

To assess nutritional value of the endorsed food products, the investigators analyzed nutrition information on food labels using the Nutrient Profile Model (NPM), which has been used in other food marketing research studies and provides a score that represents nutrient content.

In some cases, the same voice - command system (like Chevy MyLink) got different distraction scores in different models — something the researchers speculate is due to varying amounts of road noise and use of different in - vehicle microphones.

They're used by the credit agencies, including Experian, Transunion, and Equifax, which each contribute different sources of information to the FICO model to come up with their own scores.

Odds ratios of reporting heart disease and diabetes diagnoses were computed in fully adjusted models (Table 3), using z - scores of BPA and adjusting for age, sex, race / ethnicity, education, income, smoking, BMI, waist circumference and urinary creatinine concentrations.

Using linear regression, we demonstrate that the multivariate pattern of gray matter density within these brain regions significantly predicts individual intelligence scores in the remaining, i.e., independent sample used for model testing (N = 108; correlation between predicted and actual intelligence scores: r =.36).

The change in appetite score was analyzed using a mixed - model repeated - measures analysis.

The model was adjusted for age, sex, race / ethnicity, educational attainment, smoking status, alcohol consumption, physical activity level, family history of cardiovascular disease, antihypertensive medication use, Healthy Eating Index score, body mass index, systolic blood pressure, total serum cholesterol, and total calories.

Unlike the Naruto: Ultimate Ninja Storm series which is more and more a mess of technical, balance and gameplay issues these days, Brave Soldiers delivers what is a nice, franchise - based fighting game, at first, i was expecting a simple fighting game with some button mashing, however, the game proved me wrong and i fell in love, the combo system, while easy, is a lot more deep than the one in the Naruto games, with all of the characters having two special attacks, two «burst attacks», a knock - away and a launcher respectively, a throw and an ultimate attack (called a «Big Bang Attack»), every character also has an universal dodge - action that sends them behind their enemies while spending one cosmo bar, making bar management that much precious and shielding you from a half - a-hour combo, unlike in the NUNS series, the fighting and the characters are nicely balanced, with every character being fun to play and viable at the same time, the game runs smoothly without frame - rate issues and the cell - shaded graphics, character models, arenas and effects alike are nice to the eye, battles are divided into rounds, with all the tiny nice stuff like character introductions and outros being intact (fun fact: the characters will even comment on their score after the battle), the game also features an awakening system, called the «Seventh Sense» awakening, unlike the NUNS awakening system which became severely unbalanced in the later game, every character simply gains a damage / defense boost, with the conditions being the same for all characters, eliminating situations when one character can use awakening at almost any point in the battle, or one awakening being drastically stronger than the other, the game has a story mode with three story arcs used to unlock characters, a collection mode, tournament modes, a survival mode, a series of special versus modes and online battle modes.

At least back in the olden days Media Ventures action scores used Backdraft as their template and so you ended up with things like The Rock which may be pretty banal but at least provided great fun, but now it's Spy Game - not an impressive musical work to begin with - that seems to be the model they all want to follow.

He is currently directing studies that will explore new methods for evaluating gains in scores on high - stakes tests and evaluate the use of value - added models in educational accountability systems.

Study coauthor Matthew Gaertner, who produced calculations for this article that were not part of the published study, said displaced student test scores dropped 12 percent in reading, 9 percent in math, and 19 percent in writing compared with what they would have scored had the school not closed (using modeling developed from historic test data).

This assessment is based on state tests, using a value - added model that applies statistical analysis to students» past test scores to determine how much they are likely to grow on average in the next year.

We nonetheless use such models to estimate informally the impacts on all students for whom at least one gain score can be calculated.

With one gain score, it is possible to use models that control for observable background characteristics, but those models can not adjust for unobserved student characteristics (such as parental education or student commitment).

Our expert raters are available to score batches of student papers for your school using the 6 +1 Trait Writing model.

In Smith's model, as it was refined over time, curriculum standards serve as the fulcrum for educational reform implemented based on state decisions; state policy elites aim to create excellence in the classroom using an array of policy levers and knobs — all aligned back to the standards — including testing, textbook adoption, teacher preparation, teacher certification and evaluation, teacher training, goals and timetables for school test score improvement, and state accountability based on those goals and timetables.

Although the current evidence based fad has turned into a debate about test scores, this book is about using evidence to build and defend a model of teaching and learning.

In fact, the research (see the Teacher's Guide) outlines how project - based learning, the instructional model used in Projects From A Box, is likely to produce higher test ELA test scores than other approaches such as direct instruction when teachers implement the methods well.

Growth will be determined using a simple linear regression model in which current test scores are regressed on last year's test scores.

One Princeton undergraduate looked at the test scores of 35 California schools that are using a so - called «rotation» model, where students rotate between computers and teacher - led instruction throughout the day.

Bring back Praxis III... it was comprehensive, fair, used an effective rubric scoring model... I know, I was an assessor for all 7 years it was in effect.