Sentences with phrase «scoring model is considered»

Not exact matches

«There's this assumption that the scoring model doesn't see an account anymore after it's closed,» explains John Ulzheimer, credit expert at CreditSesame.com, «but even closed accounts are still considered in your score.»

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

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

The effectiveness of the model was clear from formal and informal student feedback, and from students» AP scores, which increased from twos to fives (two is not considered a passing grade and five is the highest score on an AP exam) by 12 per cent.

In other words, this particular prediction model can not account for 26 % of the cause of current ELA 8th grade scores, «all other things considered» (i.e., the predictor variables that are so highly correlated with test scores in the first place).

While each credit bureau uses a different model to calculate a credit score, the score at each bureau is considered roughly equal.

For any credit scoring models, certain factors are never considered.

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

All of the information in your credit report falls into one of these categories and is assigned a numeric value, weighted according to how important the credit scoring model considers the item.

One of the factors which FICO and other credit scoring models consider is your number of accounts with balances.

The good news is the FICO scoring model does not consider items reported as «child / family support obligations» in calculating a credit score.

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

Potential lenders won't be able to see them (except insurance companies may be able to see other insurance companies» inquiries), and soft inquiries are never considered as a factor in credit scoring models.

A model is the specifics of the algorithm used to build your score; for instance, how much to consider that mound of student loan debt versus a missed credit card payment.

A FICO Score above 670 is considered a good credit score on these models, and if you have a score above 800 it is considered exceptiScore above 670 is considered a good credit score on these models, and if you have a score above 800 it is considered exceptiscore on these models, and if you have a score above 800 it is considered exceptiscore above 800 it is considered exceptional.

Even when an account has never been delinquent, the credit bureau description indicating a debt has been settled or reduced payments are being accepted tends to be considered negatively by most credit scoring models, including FICO, and can have a devastating effect on your scores.

An average credit age of two years or less is considered poor under the scoring model, from what I've seen.

When considering the most commonly used credit scoring model, FICO, the scores range from 300 to 850, and is usually categorized in the following ranges:

To make things even more confusing, there isn't one single range of possible credit scores: what's considered a «good» score depends on many factors, including the scoring model used to calculate it.

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.

Rather than relying solely on a FICO scoring model that critics say is outdated — more than a decade old — and that has been superseded by several more accurate and consumer - friendly FICO versions, it would direct Fannie's and Freddie's federal regulator to consider adopting more - advanced models, including competing systems.

When considering the rates they will charge an applicant, insurers use a special scoring model that is based on our credit history.

A weight is assigned to each factor considered in the model's formula, and a credit score is assigned based on the evaluation.

Most credit scoring models range from 300 — 800 with different lenders deciding what's considered good or bad credit.

(That's considered «good» by FICO ® and VantageScore, two of the major credit scoring models.)

As you can see from the table, most Credit Sesame members fall within the range of 550 to 639 range, which is considered «fair» credit, per the TransUnion scoring model.

Now that we've debunked the myth, here's the real reason why closing that old credit card account might hurt your scores: Credit scoring models consider the relationship between the balances and the credit limits on your credit card accounts.

If trying to compare by the numbers, those whose credit would be considered «poor» under the VantageScore 3.0 model will most likely fall under «fair» under the FICO Score 8 model.

But it's also helpful to remember that while hard inquiries typically will remain on your credit reports for two years, credit scoring models will only consider them for their first 12 months.

Though typically considered to be above average, the «good» category under the FICO model actually contains the average FICO Score of 695, a little below the middle of the 670 to 739 range.

In general, considering the different credit scoring models, the typical ranges for a credit score being good or bad include the following:

While each credit scoring model has its own range, if your score is in the 600s, you are generally considered to have fair credit.

Independent credit monitoring companies such as Credit Karma and Credit Sesame sometimes use scoring models that consider only the length of time that an account was actually open, but those companies are only providing FAKO scores.

When a more restricted measure of health — limiting long - standing illness — is considered, childhood health indicators dominate in the full model, yet there are some indications that educational test scores, birth weight, family disruption and behaviour problems remain significant predictors.

Childhood socioeconomic deprivation, family housing tenure other than consistent home ownership, family disruption, lack of parental interest, behaviour problems, low academic test scores and health difficulties were each clearly associated with poor mental well - being in adulthood when estimated by analysing each childhood measure individually, adjusting for cohort and gender, and in the full model considering all childhood measures, although they were to some extent attenuated.

The secure working model classification of adult attachment, as derived from Main and Goldwyn's (in press) Adult Attachment Interview scoring system, was considered in terms of earned - security and continuous - security.

To see what kind of pattern the TAR model may generate, consider the negative affect scores of the hypothetical person C, which are depicted in the bottom panel of Figure 1.

For this modeling, the measures of CU (ICU - total raw score) and ODD (binary diagnosis present / absent) were considered as the independent variables and the analyses were adjusted by the covariates family SES, children's sex and ethnicity, presence of comorbidities other than ODD and the number of DSM - IV CD symptoms.

In all the above regression models, prenatal and postnatal EPDS scores were considered as continuous variables.

Alternative credit scoring models need to consider these patterns so creditworthy borrowers are not turned away from the American Dream of homeownership.»

«I know that new credit scoring models are being developed so that non-traditional factors can be considered when determining creditworthiness.»