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Credit Scores, Formulas, and Companies Behind Them

Coca-Cola hides its secret recipe for the original soda formula in a vault at SunTrust Bank in downtown Atlanta. The Big Mac protects its copyrights in countries where it may not even sell. Equifax and TransUnion protect their credit-rating formulas equally jealously,...

Total Debt Service and Gross Debt Service Ratios

Mortgage lenders are always on the hunt for new customers. However they also wish to avoid bad debts and costs of foreclosures. They need to be seen as impartial regardless of an applicant’s particular demographic. Their decisions are therefore data-driven and based...