Risk Score Validation Studies:

The "Validation Odds Chart" is a useful tool -- if used properly.  It provides an visual snapshot of the breakdown of the test scores in 10 point increments. It does not replace the need for each credit union to perform individual testing and tier level adjustment. 

As discussed in the manual, the risk score ranges that I provide are "starting points only" -- just to get you moving in the right direction.  For most credit unions, these scores will get you close to the desired 20/60/20 mix, but, they are not exact.  They still need to be adjusted for your own membership.

Note: Fair, Isaac, the developer of the: Classic FICO; the Next Generation score, and the Horizon Bankruptcy score (available through TransUnion Only) has requested that the Validation studies be obtained directly through their website.  To access their site, you need to request a "User Name" and "Password" directly from the Fair,Isaac Customer Service Department.  To do so, simply call:  1-800-777-2066 between 9:00am - 6:00pm PST or send an email to cbhelpline@fairisaac.com.  They will request some basic information and then assign you a username/password that is good for 1 year. 

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