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首页> 外文期刊>International journal of selection and assessment >Demographic Variables and Credit Scores:An empirical study of a controversial selection tool
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Demographic Variables and Credit Scores:An empirical study of a controversial selection tool

机译：人口统计学变量和信用评分：有争议的选择工具的实证研究

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The widespread use of credit scores as a selection tool has raised flags with lawmakers and the general public, but little is known about what impact such practices might have on protected classes. To explore this issue, the reported research investigated the relationship between five demographic variables and individual consumer credit scores. Using demographic data from 142 employees and objective credit data obtained from the Fair Isaac Corporation, the reported research found minority status was negatively related to credit scores (including large effect sizes), whereas age and education level were positively related to credit scores. Implications for organizations currently using or planning to use credit scores as part of their selection practices are discussed.
机译：信用评分作为选择工具的广泛使用已引起立法者和公众的注意，但对于这种做法可能对受保护阶级产生什么影响知之甚少。为了探讨这个问题，报告的研究调查了五个人口统计学变量与个人消费者信用评分之间的关​​系。使用来自142名员工的人口统计数据和从Fair Isaac Corporation获得的客观信用数据，报告的研究发现，少数群体地位与信用评分呈负相关（包括较大的影响力大小），而年龄和受教育程度则与信用评分成正相关。讨论了对于当前正在使用或计划将信用评分作为其选择实践一部分的组织的含义。

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    Jeremy B. Bernerth;

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    Rucks Department of Management, E.J. Ourso College of Business, Louisiana State University, 3169A Patrick FTaylor Hall, Baton Rouge, LA 70803, USA;

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