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As some creditors became larger and as the number of their consumer credit applications grew, these creditors needed to establish more systematic and efficient methods for evaluating which consumers were good credit risks. Although smaller creditors still may rely on informal credit evaluations, many large companies now use formal credit scoring systems.

To illustrate how credit scoring works, consider the following example that uses only three factors to determine whether someone is creditworthy.

While this may seem unrelated to creditworthiness, it is legal to use factors like these as long as they do not illegally discriminate on race, sex, martial status, national origin, religion, or age.

With credit scoring systems, creditors are able to evaluate millions of applicants consistently and impartially on many different characteristics.

Based on how well you score, a creditor may decide to extend credit to you or turn you down.

The following questions and answers may help you understand who gets credit, and why.

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