credit scoring
From Longman Business Dictionarycredit scoringˈcredit ˌscoring noun [uncountable]BANKINGECONOMICS the activity of calculating the risk that someone asking for a loan will not make the necessary repayments when they should, which involves asking the person questions about their job, how much they earn etcMost lenders have cut costs by moving to a credit scoring system to assess how likely you are to default on a loan. —credit score noun [countable]The banks will typically charge between 7 and 11 per cent depending on your credit score.