| Abstract: | A "weighted application blank" approach was used to develop a numerical scoring system for predicting credit payment potential from personal history and financial obligation information. 17 biodata items from the credit application from were examined by chi square analysis to determine which items were discriminating between: (a) those previously accepted vs. those not accepted, and (b) among those accepted, those who paid vs. those who did not pay. Results showed good prediction of accepted vs. rejected applicants (rpbi ≈ .60), moderate predictions of paid vs. delinquent among those who were accepted (rpbi ≈ .30). (PsycINFO Database Record (c) 2010 APA, all rights reserved) |
