The credit agreement is a business based on trust that the lender gives the borrower that he expects the loan. Generally, the lender will have more confidence in the borrower, the more it will pay a large amount with low interest rates. Conversely, unless the borrower has credit in the eyes of the lender, the more it will be chilly, require significant guarantees and lend money at high interest rates. Automated methods for assessing customer risk (credit scoring in English), consisting of assigning a numerical score to the repayment capacity of a known%) borrowing from various information (income, debts ...) are used to facilitate the analysis for the credit operations from the mundane (consumer credit, credit card ...)

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