Dereftersammenlignes bestemte elementer i låntagernesdata med historiske data om misligholdelser for atkortlægge, hvor mange tilfælde af misligholdte lån,der findes i fortiden for låntagere med en tilsvarendeprofil.
Banks then compare specific factors drawn from the credit customer’s data with historical data on loan defaults in order to determine how often borrowers with similar characteristics did not repay their loans in the past.