Service is provided by the Joint Credit Bureau

Service is provided by the Joint Credit Bureau (EDB). In the development of the Bureau Scoring III generation has been used world's best practices in the construction of similar decisions leading global operator of credit bureau Experian. When calculating Scoring Bureau uses data on credit histories obtained from the Office of more than 500 banks. The share of informative responses (mean hit-rate by the Office) for queries in the bureau of 91.4%. Service Testing showed that Scoring Bureau III generation combined with scoring Savings gives additional effect of improving the quality of the integrated bank model by more than 10%. "Savings Bank gives 30% of all retail loans in Russia, - said the director of the Department of Methodology and Risk Control Savings Natalia Revina. - To handle the huge flow of loan applications in the bank to build an effective system of evaluation of the borrower. One of the components of this system is an integrated scoring, which is based on the bank's internal models, as well as the service Scoring Bureau III generation. " Founded in 2004 United Credit Bureau is one of three major credit bureaus Russia. The Bureau is a leader in the development of services for assessing credit risks. Savings Bank - one of the founders of the bureau.