Aaron C. Campbell, NMLS 134888  Phone: (317) 506-0886 Email: acampbell@spectrummtg.net
              John M. Dearth, NMLS 134885  Phone: (317) 506-3346              Email: jdearth@spectrummtg.net

Why is credit scoring used?

Credit scoring is based on real data and statistics, so it usually is more reliable than subjective or judgmental methods. It treats all applicants objectively. Judgmental methods typically rely on criteria that are not systematically tested and can vary when applied by different individuals.