Presenting sophisticated statistical tools designed to help creditors make intelligent credit risk decisions, this book addresses two types of decisions: whether to grant credit to a new applicant (credit scoring), and how to adjust credit restrictions or the marketing effort directed at a current customer (behavioral scoring). Coverage includes the details of mathematical models, as well as a review of objectives, methods and practical implementation of both types of scoring, and some of the country-specific issues in bankruptcy, equal opportunitities, and privacy legislation. The included CD-ROM contains a sample data set in an Excel spreadsheet. The three authors are Lyn C. Thomas (management science, U. of Southampton, UK), David B. Edelman (credit director, Royal Bank of Scotland, Glasgow), and Jonathan N. Crook (business economics, U. of Edinburgh). Annotation c. Book News, Inc., Portland, OR (booknews.com)