CreditScoreModelNameType

Description
A value from a MISMO prescribed list that specifies the score algorithm model name used to produce the referenced credit risk score.

Type : CreditScoreModelNameEnum
Value Description
Beacon09MortgageIndustryOption
EquifaxBankruptcyNavigatorIndex02781The Equifax score model, Bankruptcy Navigator Index 3.0, predicts the likelihood of bankruptcy within the next 24 months. Consumer files with bankruptcies are not scored. Score Scale is 1 – 600.
EquifaxBankruptcyNavigatorIndex02782The Equifax score model, Bankruptcy Navigator Index 3.0, predicts the likelihood of bankruptcy within the next 24 months. Scores files with previous bankruptcies. Score Scale is 1 – 600.
EquifaxBankruptcyNavigatorIndex02783The Equifax score model, Bankruptcy Navigator Index 3.0, predicts the likelihood of bankruptcy within the next 24 months. Consumer files with bankruptcies are not scored. Score Scale is 1 – 200.
EquifaxBankruptcyNavigatorIndex02784The Equifax score model, Bankruptcy Navigator Index 3.0, predicts the likelihood of bankruptcy within the next 24 months. Scores files with previous bankruptcies. Score Scale is 1 – 300.
EquifaxBeaconFair Isaac risk model forecasting delinquency within 24 months.
EquifaxBeacon5.0Fair Isaac risk model forecasting delinquency within 24 months. Updated in 2003.
EquifaxBeacon5.0AutoFair Isaac risk model for auto finance loans. Updated in 2003.
EquifaxBeacon5.0BankCardFair Isaac risk model for bank credit cards. Updated in 2003.
EquifaxBeacon5.0InstallmentFair Isaac risk model for installment loans. Updated in 2003.
EquifaxBeacon5.0PersonalFinanceFair Isaac risk model for personal finance loans.
EquifaxBeaconAutoFair Isaac risk model for auto finance loans.
EquifaxBeaconBankcardFair Isaac risk model for bank credit cards.
EquifaxBeaconInstallmentFair Isaac risk model for installment loans.
EquifaxBeaconPersonalFinanceFair Isaac risk model for personal finance loans.
EquifaxDASDelinquency Alert System is a MDS risk model that forecasts risk of consumer filing bankruptcy.
EquifaxEnhancedBeaconAn updated Fair Isaac risk model forecasting the risk of delinquency within 24 months.
EquifaxEnhancedDASEnhanced Delinquency Alert System is a MDS risk model that forecasts risk of consumer filing bankruptcy.
EquifaxMarketMaxEquifax predictive score for no-hit or thin files
EquifaxMortgageScoreA custom risk score model from Equifax specifically for assessing mortgage loan risk.
EquifaxPinnacleThe Fair Isaac Next Gen risk model that utilizes expanded segmentation to provide greater predictive capability.
EquifaxPinnacle2.0The Fair Isaac Next Gen 2 risk model that utilizes expanded segmentation to provide greater predictive capability. Updated in 2003.
EquifaxVantageScoreA score model developed jointly by the three credit data repositories - Equifax, Experian and Trans Union.
EquifaxVantageScore3.0Version 3.0 of the score model developed jointly by the three credit data repositories - Equifax, Experian and Trans Union.
ExperianFairIsaacFair Isaac risk model forecasting risk of delinquency within 24 months.
ExperianFairIsaacAdvancedThe Fair Isaac Next Gen risk model that utilizes expanded segmentation to provide greater predictive capability.
ExperianFairIsaacAdvanced2.0The Fair Isaac Next Gen 2 risk model that utilizes expanded segmentation to provide greater predictive capability. Updated in 2003.
ExperianFairIsaacAutoFair Isaac risk model for auto finance.
ExperianFairIsaacBankcardFair Isaac risk model for bank credit cards.
ExperianFairIsaacInstallmentFair Isaac risk model for installment loans.
ExperianFairIsaacPersonalFinanceFair Isaac risk model for personal finance loans.
ExperianFICOClassicV3Fair Isaac risk model forecasting risk of delinquency within 24 months. Updated in 2004.
ExperianMDSBankruptcyIIMDS risk model that forecasts risk of consumer filing bankruptcy.
ExperianNewNationalEquivalencyExperian option for the National Risk Model that produces score ranges similar to Fair Isaac models.
ExperianNewNationalRiskNew version of Experians National Risk Model.
ExperianOldNationalRiskOriginal version of Experians National Risk Model.
ExperianScorexPLUSAn Experian risk model based on their own credit data.
ExperianVantageScoreA score model developed jointly by the three credit data repositories - Equifax, Experian and Trans Union.
ExperianVantageScore3.0Version 3.0 of the score model developed jointly by the three credit data repositories - Equifax, Experian and Trans Union.
FICOExpansionScoreFair Isaac risk model based on non-traditional credit data, targeted to predict risk for consumers with non-existent or thin credit histories.
FICORiskScoreClassic04Fair Isaac risk model forecasting risk of delinquency within 24 months. Updated in 2004.
FICORiskScoreClassic98Fair Isaac risk model forecasting risk of delinquency within 24 months. New Trans Union product name for Empirica.
FICORiskScoreClassicAuto98Fair Isaac risk model for auto finance loans. New Trans Union product name for Empirica Auto.
FICORiskScoreClassicBankcard98Fair Isaac risk model for bank credit cards. New Trans Union product name for Empirica Bankcard.
FICORiskScoreClassicInstallmentLoan98Fair Isaac risk model for installment loans. New Trans Union product name for Empirica Installment.
FICORiskScoreClassicPersonalFinance98Fair Isaac risk model for personal finance loans. New Trans Union product name for Empirica Personal Finance.
FICORiskScoreNextGen00The Fair Isaac Next Gen risk model that utilizes expanded segmentation to provide greater predictive capability. New Trans Union product name for Precision.
FICORiskScoreNextGen03The Fair Isaac Next Gen 2 risk model that utilizes expanded segmentation to provide greater predictive capability. Updated in 2003. New Trans Union product name for Precision 03.
OtherUsed when Score Model Name is not in the enumerated list.
TransUnionDelphiMDS risk model that forecasts risk of consumer filing bankruptcy.
TransUnionEmpiricaFair Isaac risk model forecasting risk of delinquency within 24 months. Trans Union has renamed this risk model to FICO Risk Score Classic 98.
TransUnionEmpiricaAutoFair Isaac risk model for auto finance loans. Trans Union has renamed this risk model to FICO Risk Score Classic Auto 98.
TransUnionEmpiricaBankcardFair Isaac risk model for bank credit cards. Trans Union has renamed this risk model to FICO Risk Score Classic Bankcard 98.
TransUnionEmpiricaInstallmentFair Isaac risk model for installment loans. Trans Union has renamed this risk model to FICO Risk Score Classic Installment 98.
TransUnionEmpiricaPersonalFinanceFair Isaac risk model for personal finance loans. Trans Union has renamed this risk model to FICO Risk Score Classic Personal Finance 98.
TransUnionNewDelphiUpdated MDS risk model that forecasts risk of consumer filing bankruptcy.
TransUnionPrecisionThe Fair Isaac Next Gen risk model that utilizes expanded segmentation to provide greater predictive capability. Trans Union has renamed this risk model to FICO Risk Score Next Gen 00.
TransUnionPrecision03The Fair Isaac Next Gen 2 risk model that utilizes expanded segmentation to provide greater predictive capability. Updated in 2003. Trans Union has renamed this risk model to FICO Risk Score Next Gen 03.
TransUnionVantageScoreA score model developed jointly by the three credit data repositories - Equifax, Experian and Trans Union.
TransUnionVantageScore3.0Version 3.0 of the score model developed jointly by the three credit data repositories - Equifax, Experian and Trans Union.

Definition
A value from a MISMO prescribed list that specifies the score algorithm model name used to produce the referenced credit risk score.
(Defined in file MISMO_3.4.0_B324.xsd , or a file it imports)

Attributes
DataNotSuppliedReasonTypeA value from a MISMO prescribed list that specifies the reason a specific data point is not included in the message.
DataNotSuppliedReasonTypeAdditionalDescriptionA free-form text field used to provide a supplemental comment or remark regarding the Data Not Supplied Reason Type.
DataNotSuppliedReasonTypeOtherDescriptionA free-form text field used to capture the enumeration when Other is selected for Data Not Supplied Reason Type.
label
SensitiveIndicatorAllows producers and consumers of XML instance documents that are valid MISMO V3 documents to mark any data point to be treated as sensitive. MISMO recommends that any use of a data point labeled as "Sensitive Information" in the LDD ALWAYS have this attribute set to "true".

Parents
\MESSAGE\DEAL_SETS\DEAL_SET\DEALS\DEAL\PARTIES\PARTY\ROLES\ROLE\BORROWER\CREDIT_SCORES\CREDIT_SCORE\CREDIT_SCORE_DETAIL
\MESSAGE\DEAL_SETS\DEAL_SET\DEALS\DEAL\SERVICES\SERVICE\CREDIT\CREDIT_REQUEST\CREDIT_REQUEST_DATAS\CREDIT_REQUEST_DATA\CREDIT_SCORE_MODELS\CREDIT_SCORE_MODEL\CREDIT_SCORE_MODEL_DETAIL
\MESSAGE\DEAL_SETS\DEAL_SET\DEALS\DEAL\LOANS\LOAN\LOAN_LEVEL_CREDIT\LOAN_LEVEL_CREDIT_DETAIL