consumer-credit

Consumer credit architecture lab exploring deterministic decision engines vs LLM explanation layers - featuring EWA eligibility, credit card economics modeling, and Streamlit interactive workflows.

Consumer credit risk, PD scorecard (logistic regression + WOE/IV) on Home Credit data, with discrimination, calibration and population-stability validation, ongoing monitoring, and model governance. Includes an EAD analysis reframed as a documented data-quality finding.

Write-offs: book growth or a worse charge-off rate? A rate-vs-volume bridge on MAS quarterly credit-card data.

Plain-English consumer credit resources from Credit Plainly, including credit report, credit score, and dispute education links.

Plain-English credit score learning path: ranges, models, reports, and tools. Educational only. By Credit Plainly.

CRS Credit API — independent third-party profile of a public API surface, by API Evangelist. CRS Credit API delivers credit data-as-a-service for fast, compliant financial decisioning. The platform aggregates consumer and business credit, identity, fraud, and public records data from major bureaus (Equifax, Experian, TransUnion, LexisNexis, CIC, Pi

Independent analytical products and Human-in-the-Loop leadership: consumer credit, merchant financing, survival modeling, data quality, reconciliation, remediation, and Power BI. Built with SAS, SQL/PostgreSQL, Python, AI-assisted development, and governed validation.

Plain-English guide map for understanding official free credit reports and report review basics.

Plain-English starter kit for reviewing credit reports when identity theft or mixed-file warning signs may be present.

Plain-English learning kit for understanding credit utilization, balances, limits, and score factor basics.

手机分期购机指南：真实利率计算、购机方式对比、避坑与征信

Plain-English map of official bureau dispute starting points and Credit Plainly dispute education resources.

Plain-English starter map for U.S. credit report errors and disputes. Educational only. By Credit Plainly.

US Truth in Lending APR — Regulation Z Appendix J actuarial method. Zero dependencies.

A pricing bandit with a shared prior, and where the prior fails. R, Quarto, reproducible.