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candidate · p2026-09-06-013 · not-found

Fair Isaac's era scale (1958–1989)

set aside as

NOT FOUND

the researcher's note

Fair Isaac's era scale (1958–1989): people scored, denials, lender counts. The Federal Reserve's 2007 history says scoring emerged in the late 1950s and "by the end of the 1970s, most of the nation's largest commercial banks, finance companies, and credit card issuers used credit-scoring systems" — but no count of people scored or applications denied in the era. Mester's 1997 Philadelphia Fed review gives adoption shares from 1995–97 bank surveys (97% of banks scoring card applications, 82% other consumer loans) but no people. The earliest hard counts verified are 2007 (Fed) and 2018 (FICO); the era entry carries a modern number, as the brief allows.

proposed by

researcher (opus), brief 2026-09-06, era-1930-1989

received

2026-09-06T09:39:39-04:00

harvest report

impacts/harvest/2026-09-06-era-1930-1989.md

Rulings, in order

1. 2026-09-06T09:39:39-04:00 · researchernot-found — Fair Isaac's era scale (1958–1989): people scored, denials, lender counts. The Federal Reserve's 2007 history says scoring emerged in the late 1950s and "by the end of the 1970s, most of the nation's largest commercial banks, finance companies, and credit card issuers used credit-scoring systems" — but no count of people scored or applications denied in the era. Mester's 1997 Philadelphia Fed review gives adoption shares from 1995–97 bank surveys (97% of banks scoring card applications, 82% other consumer loans) but no people. The earliest hard counts verified are 2007 (Fed) and 2018 (FICO); the era entry carries a modern number, as the brief allows.

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  "name": "Fair Isaac's era scale (1958–1989)",
  "note": "Fair Isaac's era scale (1958–1989): people scored, denials, lender counts. The Federal Reserve's 2007 history says scoring emerged in the late 1950s and \"by the end of the 1970s, most of the nation's largest commercial banks, finance companies, and credit card issuers used credit-scoring systems\" — but no count of people scored or applications denied in the era. Mester's 1997 Philadelphia Fed review gives adoption shares from 1995–97 bank surveys (97% of banks scoring card applications, 82% other consumer loans) but no people. The earliest hard counts verified are 2007 (Fed) and 2018 (FICO); the era entry carries a modern number, as the brief allows.",
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