Patent ID: 8055579

Claim:
A computer-implemented method for determining score consistency, comprising: a. generating by a computer a first score for each of a plurality of entities using a first scoring algorithm, wherein the first score is predictive of credit risk; b. generating by a computer a second score for each of the plurality of entities using the same or a different scoring algorithm, wherein the second score is predictive of credit risk; c. ranking by a computer the plurality of entities by the first score, resulting in a first ranked list; d. ranking by a computer the plurality of entities by the second score, resulting in a second ranked list; e. assigning, based on the first ranked list, each of the plurality of entities to one of a first plurality of risk groups; f. assigning, based on the second ranked list, each of the plurality of entities to one of a second plurality of risk groups, wherein the second plurality of risk groups corresponds to the first plurality of risk groups; g. determining by a computer, in each of the corresponding risk groups, a number of entities assigned to the same corresponding risk group across the first and second ranked lists; h. determining by a computer a total number of entities assigned to the same corresponding risk groups across the first and second ranked lists by adding the numbers determined in step g; i. dividing the total number of entities assigned to the same corresponding risk groups across the first and second ranked lists by the number of the plurality of entities, resulting in a first score consistency value; and j. outputting the first score consistency value.